Buildings and contents insurance

The complete package to protect your home inside and out.

Protect your home today with our buildings and contents insurance, underwritten by Aviva.

You can apply for our home insurance if you’re over the age of 16 and have a property in the UK (excluding the Channel Islands and Isle of Man).

If you've had a quote within the last 90 days you can pick up where you left off.

Minimum premiums, T&Cs, exclusions and limitations apply.

All subject to your policy T&Cs

Optional extras

Pick and choose extra cover to make sure your policy protects everything you need it to.

Home emergency cover

up to £1,000 for labour, parts and materials per incident
hotel accommodation costs up to £1,000 if your home is uninhabitable
no excess to pay
£500 boiler contribution for boilers declared beyond economical repair
loss of essential services e.g. boiler breakdowns
roof damage following a storm
plumbing emergencies
electrical emergencies and breakdown
lost keys or damage to locks, doors and windows
pest infestation of rats, mice, wasps or hornets.

Restrictions

not all types of heating systems and boilers are included in home emergency cover
home emergency cover isn't a service and maintenance product and doesn't cover damage due to wear and tear (e.g. dripping taps)
doesn't cover breakdown of electric showers or domestic appliances like washing machines
doesn't cover problems you were already aware of when you bought cover.

Legal expenses cover

Legal expenses cover provides you with a lawyer if you need one and up to £50,000 of legal costs to pursue or defend a wide range of disputes including:

personal injury
employment
property
medical negligence
consumer issues.

Restrictions

We'll only accept your legal expenses claim if our lawyer believes you're likely to win the case. Conditions also apply if you want to nominate your own lawyer to represent you.

Accidental damage - buildings

putting your foot through the ceiling
hammering a nail through a pipe
damaging wood or tiled flooring.

Restrictions

the excess(es) shown on your schedule
damage caused by wear and tear, settlement and shrinkage, vermin, insects, fungus, weather conditions, or any damage which happens gradually
damage caused by chewing, scratching, tearing or fouling by domestic animals
damage caused by faulty materials or design, or poor workmanship.

Accidental damage - contents

knocking over an ornament and damaging it
sitting on your glasses at home
spilling a drink on your carpet
damage to portable computers when in the home.

Restrictions

the excess(es) shown on your schedule
food in freezers, clothing, contact lenses, stamps and pedal cycles
damage caused by wear and tear, light, weather conditions, moths, vermin, insects, fungus, damp, rust, wet or dry rot, or anything which happens gradually
damage caused by chewing, scratching, tearing or fouling by domestic animals.

Personal belongings

protect your personal belongings, wherever you are in the world
you can select cover between £2,000 and £10,000.

Restrictions

limitations apply to personal belongings stolen from an unattended vehicle
under Personal Belongings we don’t cover snowboards, skis (including sticks and bindings), water skis, sub-aqua equipment, riding tack, contact lenses and hearing aids, unless we have specifically agreed to do so.

Pedal cycles

covers you between £300 and £2,500 towards loss or damage

Restrictions

loss or damage to tyres or accessories unless the pedal cycle is stolen or damaged at the same time
theft while away from the home, unless in a building or securely locked to an immovable object.

Clerical business equipment cover

up to £5,000 of cover is available for loss, damage or theft of clerical business equipment, including £500 of cover for stock and samples used in connection with your employment when stored at your home
up to £300 for business money and credit cards used for the purpose of your business.

Restrictions

clerical business stock or trade samples doesn't include wines, spirits or tobacco; furs, antiques or works of art; jewellery, precious metals or stones, or any articles made from them; chemicals or any hazardous materials.

Before you apply

Policy documents

Here's some essential reading on home insurance. We know it might not be the most exciting, but it’s definitely important.

What's not covered by our buildings and contents insurance?

damage from wear and tear, electrical and mechanical breakdown, or gradual deterioration
storm damage to fences, gates and hedges
certain loss or damage (e.g. from burst pipes) to buildings or contents when your home is unoccupied for more than the number of days selected
certain loss or damage (e.g. theft, or malicious damage) caused by you, paying guests or tenants.

Limitations for our buildings and contents insurance

Certain limitations may apply to your policy.

For example:

the excess (the amount you have to pay on any claim)
monetary limits for certain covers
clauses that exclude certain types of loss or damage.

Please make sure you read the first direct Home Insurance Product Information Document (PDF) before getting a quote or applying. You'll find full details of the policy in our Policy Booklet (PDF).

Apply online for our buildings and contents insurance.

Or give us a call on 03 456 100 101. We’re available 8am-8pm Mon to Fri, 9am-5pm Sat and 10am-4pm Sun (may be different on public holidays).

For details on how we use your personal information, please see our Privacy Notice (PDF).

first direct Home Insurance is underwritten by Aviva Insurance Limited. Please read Aviva's Privacy Notice shown within the application.