Home
If it matters to you,
it matters to us.
We can provide you with a range of
home insurance options to bring you
and your family more peace of mind.
Your home is probably the most valuable
thing you have. We’ll help you rest easy, by
covering what matters. So although we can’t
be there to stop a spillage, divert a water leak
or prevent damage to plants in your garden,
we can provide cover to help put it right.
Home insurance policies are underwritten
by U K Insurance Limited.
nationwide.co.uk/insurance 0800 141 2162 in branch
Our discounts on
home insurance could
save you money
20%
introductory discount when you
take out new buildings and contents
cover together. Minimum premiums
apply. Discount does not apply to
Home Emergency or Legal Assistance.
Up to 35%
no claim discount on your
annual home contents insurance
premium and
up to 10%
no claim
discount on your annual buildings
insurance premium with us if you have
been claim-free for 5 years. Minimum
premiums apply.
Home Insurance
Our highest level of cover
Building sum insured –
unlimited
for eligible
properties*
Contents sum insured – up to
£100,000
Matching sets and suites
– so if one part of your
matching living room or bathroom suite is damaged
and can’t be repaired or replaced, we’ll pay the cost
of a whole new set
Accidental damage
including damage by pets –
which might occur if they’re occasionally mischievous
Cover for your
personal possessions
away from the
home – like your mobile phone or designer sunglasses
– up to £5,000 (single item limits apply)
Contents in the
garden
– like your new gas BBQ,
lawnmower or patio furniture – up to £6,000
Cost of
fixing the damage
caused to trace
and access a leak – up to £10,000
Theft and loss of keys
– up to reasonable cost
Insure your home and what’s in it
We offer two levels of cover to choose from. So you can pick
the cover that suits your lifestyle and your budget.
Home Insurance Essentials
Our standard level of cover
Building sum insured – up to
£1 million
for
eligible properties*
Contents sum insured – up to
£50,000
Contents in the
garden
– like your new gas BBQ,
lawnmower or patio furniture – up to £1,000
Cost of
fixing the damage
caused to trace
and access a leak – up to £5,000
Theft and loss of keys
– up to £500
Optional accidental damage
and
personal
possessions cover
– can be added for an
additional premium
* Providing the property is not listed, built before 1760 and does not have more than 6 bedrooms.
* Providing the property is not listed, built before 1760 and does not have more than 6 bedrooms.
What we cover
Nationwide home insurance provides you with a choice of cover
and features to suit your needs. See how our products compare:
Buildings
Home Insurance
Essentials
Home Insurance
Please note that exclusions and limits apply
Features Explained
Key Features
Building sum insured limit £1 million Unlimited Provides cover for standard construction properties
Accidental damage (buildings) Optional Standard From putting your foot through the loft to spilling paint down the outside of your house, covers the cost of replacing or repairing Accidental damage caused by pets ✗ Cover for damage caused by pets if they’re occasionally mischievous
Theft/loss of keys £500 Reasonable cost Covers the cost of replacing locks and keys if your keys are lost or stolen
Other Features
Trace and access £5,000 £10,000 Covers the cost of fixing the damage caused to access a leak
Property owners' liability £2 million £5 million Covers you and family living with you against a claim or lawsuit resulting from injuries or property damage to others caused accidentally by you Alternative accommodation £25,000 £50,000 If you need to move out of your home because of an insured event like fire or flooding, you have cover for the cost of alternative accommodation No Claim Discount No Claim Discount of 10% on buildings cover for customers who have been claim-free for 5 years. If you haven't reached 5 years of no claims yet, you will still be entitled to a
discount for being claim-free for a year or more. Minimum premiums apply No Claim Discount Protection Optional Optional No Claim Discount Protection: Option to protect the No Claim Discount (for an additional premium) for customers with a No Claim Discount of 5 years or over
Contents
Home Insurance
Essentials
Home Insurance
Please note that exclusions and limits apply
Features Explained
Key Features
Contents sum insured limit £50,000 £100,000 Contents cover is provided as standard with the option to increase the amount Valuables in the home 30% of contents sum insured Single item limit – £2,000 30% of contents sum insured Single item limit – £4,000 Such as jewellery, watches, coins and medals that belong to you
Personal possessions Optional – £2,500 Standard – £5,000 Which you wear or carry outside of your home such as digital cameras Bicycles in the home Up to contents sum insured Up to contents sum insured Covers the cost of replacing your bicycles if they are stolen or damaged in the home Accidental damage (contents) Optional Standard From red wine spill to DIY disaster, covers the cost of replacing or repairing
Matching sets and suites ✗ If one part of a matching set is damaged and can't be repaired or replaced we'll pay the
cost of a whole new suite
Theft/loss of keys £500 Reasonable cost Covers the cost of replacing locks and keys if your keys are lost or stolen Accidental damage caused by pets ✗ Cover for damage caused by pets if they’re occasionally mischievous
Other Features
TV and video accidental damage (AD) If AD selected Cover for accidental damage to home entertainment equipment such as your TV Plants in the garden maximum per plant)£1,000 (£250 maximum per plant)£2,500 (£500 Cover for loss or damage to plants in your garden. Includes trees and shrubs Digital information £1,000 £3,000 We’ll replace things you’ve bought and downloaded online, including music, films and games Contents in the garden £1,000 £6,000 Cover for your contents outside, whilst in the boundaries of your home, such as your BBQ, lawnmower or patio furniture Contents temporarily removed £5,000 £10,000 Cover for items you temporarily remove from your home within the British Isles Contents in outbuildings £2,500 £5,000 Cover for the cost of replacing your contents if they are stolen from a garage or outbuilding, for other perils up to the contents sum insured Student belongings £5,000 £10,000 If you have children studying away from home (within the British Isles), their belongings are covered for loss and damage No Claim Discount No Claim Discount of 35% on contents cover for customers who have been claim-free for 5 years. If you haven’t reached 5 years of no claims yet, you will still be entitled to a
discount for being claim free for a year or more. Minimum premiums apply No Claim Discount Protection Optional Optional No Claim Discount Protection: Option to protect the No Claim Discount (for an additional premium) for customers with a No Claim Discount of 5 years or over
Home insurance cover
benefits explained
Buildings Cover
Covers the cost of rebuilding your home and any
outbuildings (including patios, drives and permanent
fixtures and fittings) as a result of fire, storm, flood,
theft, vandalism, escape of water or subsidence.
We will provide an unlimited sum insured for Home
Insurance or up to £1 million with Home Insurance
Essentials for eligible properties (providing the
property is not listed, built before 1760 and does not
have more than 6 bedrooms).
Contents Cover
Provides cover against theft, vandalism, fire, storm,
flood and escape of water for all your household goods
including non-permanent fixtures and fittings and
personal belongings that are in your home, garage and
shed. On a new-for-old basis, we will provide cover for
up to £100,000 on Home Insurance and £50,000 on
Home Insurance Essentials. Cover for theft from a garage
or outbuilding is limited to £5,000 for Home Insurance
and £2,500 for Home Essentials.
Personal Possessions
Cover for any of your possessions that are designed to
be worn, used or carried
outside of the home
such
as your mobile phone, laptop or even your designer
sunglasses. We will provide cover for up to £2,500 on
Home Insurance Essentials if you choose to add it.
With Home Insurance the cover is included automatically
up to £5,000. Please let us know about any personal
possession that is worth more than £2,000 as it may
need to be listed on your policy.
Valuables
Cover for any of your valuable items that are
kept in
your home
such as jewellery, pieces of art or even a
coin collection. We automatically provide cover for up
to 30% of your contents sum insured but we do need
to know about any items that are worth that little bit
more just to be sure that they are covered. So let us
know about any item that is worth more than £2,000
as it may need to be listed on your policy.
Accidental Damage
Provides you with additional insurance against accidental
damage to your building and contents, for example; if you
were to drill through a pipe or wall (buildings), spill paint
on your carpet or accidentally damage your home
entertainment equipment (contents). We will provide
Accidental Damage cover as standard on Home Insurance
and as an optional extra with Home Insurance Essentials.
Bicycles
If you’re a cyclist and are in need of cover for your bicycle
away from the home then you’ll be pleased to know that
they are included as part of our personal possessions
cover. We will provide cover for up to £500 per bicycle on
Home Insurance Essentials if you choose to add personal
possessions cover to your policy, and up to £1,000 per
bicycle automatically on Home Insurance. You’ll need to
let us know about any of your bicycles that are worth
more than £500 to ensure they are specifically covered
by your policy.
No Claim Discount
Provides you with a discount on your premium of up to
10% of Buildings and up to 35% on Contents as a reward
for not making a claim on your policy. Ranging from 1 to 5
years, the discount is available at point of purchase and
during the lifetime of the policy and is offered under
Home Insurance and Home Insurance Essentials.
When you have reached five years without making a claim,
you will also have the option to protect the no claim discount
for an additional premium. This means you will be able to
make a claim against your policy without losing your no claim
discount. Conditions and minimum premiums will apply.
Policy Excess
You can select a policy excess on both Home Insurance
and Home Insurance Essentials. These are in multiples
of £50, from £50 - £500. This is the amount you will need
to pay towards the cost of a claim.
The following compulsory excesses apply to both Home
Insurance and Home Insurance Essentials. These are not
in addition to the policy excess you have chosen:
Subsidence, heave and landslip – £1,000
Escape of water – £350
Home Emergency cover
With optional Home Emergency cover you’ll receive 24 hour
assistance if a home emergency occurs and you need a
tradesman to make your home safe, secure and prevent
further damage. You are covered for up to £500 to deal
with emergency problem such as:
•
roof damage
•
plumbing and drainage problems
•
main heating system failure
•
domestic power supply failure
•
toilet unit damage or failure
•
damage to doors and windows
•
loss of keys
•
vermin infestation.
Home Emergency – add for £20.14 per year.
Limits and exclusions may apply.
Making a claim on Home Emergency will not affect your
home insurance no claims history.
Legal Assistance cover
With optional Legal Assistance cover you can call a team of
lawyers for legal support. You’ll be covered for legal costs up
to £50,000 to negotiate your legal rights in the following
situations:
•
employment contract disputes
•
goods or services contract disputes
•
bodily injury to you
•
property disputes, including nuisance and trespass
•
defence of prosecutions against you as an employee
•
defence of motoring prosecutions
•
defence of personal tax enquiries.
Legal Assistance – add for £15.90 per year.
Limits and exclusions may apply.
Making a claim on Legal Assistance will not affect your
home insurance no claims history.
You work hard for your home.
Our home insurance works hard for you.
All call centres are UK based and if you have a home emergency
you can call the 24 Hour Home Emergency helpline and be put
in touch with a qualified tradesperson who can help.
Plus, if you needed to move out of your home because of
an event like fire or flooding, you have cover for the cost of
alternative accommodation (limits apply). So you, your family
and even your family pets would have a place to call home
while your house is put right.
Home insurance
additional cover options
Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurance Company Limited. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS.
Nationwide cares about the environment – this literature is printed in the UK with biodegradable vegetable inks on paper from well managed sources.
We are able to provide this document in Braille, large print or
audio cassette upon request. Your local branch will arrange this
for you or you can contact us on
08457 30 20 10
.
Nationwide home insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded. Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurance Company Limited. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS.
Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. You can confirm our registration on the FCA’s website, www.fca.org.uk, or by contacting the FCA on 0800 111 6768.
Nationwide Building Society. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire SN38 1NW.
P2431 (July 2015)
Visit nationwide.co.uk/insurance
Call 0800 141 2162
Just ask in branch
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