About buildings insurance

Who arranges the buildings insurance and what it covers
We arrange buildings insurance for your home

The buildings insurance covers the structure of the property against: 

  • Fire, smoke, lightning, explosion or earthquake 
  • Storm and flood 
  • Escape of water or oil from fixed systems 
  • Riot and civil commotion 
  • Malicious damage 
  • Theft or attempted theft 
  • Subsidence, heave or landslip 
  • Impact 
  • Falling trees or aerials 
  • Accidental damage 
  • Terrorism – Insured via Ark Underwriting Syndicate 4020 
As with all insurance policies there are important exclusions, so please take a look at the policy document for full details. Some of the exclusions to be aware of are: 
  • Loss or damage caused by anything that happens gradually, corrosion, rust, wet or dry rot, wear and tear
  • Loss or damage caused by pets, insects or vermin
  • The cost of correcting faulty workmanship or design or the cost of replacing faulty materials
  • Pressure waves caused by aircraft or other flying objects travelling at or above the speed of sound
  • Radioactive contamination
  • War, invasion, act of foreign enemy hostilities (whether war be declared or not) civil war, rebellion, 
    revolution, insurrection or military or usurped power
  • Damage caused by the deliberate act of the policyholder or household.
Policy documents
The buildings policy number is: RL1388625

The policy runs from 1 October to 30 September each year. 

Download a summary of the building insurance cover

Full terms and conditions are contained within the policy wording document. If you would like a copy, please get in touch. 

You'll need to arrange contents insurance 

The insurance policy does not cover damage or loss to the contents of your home, you’ll need to arrange your own contents insurance. See below for more information.

Policy excess
The excesses on this policy are: 
  • the first £250 of each and every claim, except for:
    • subsidence (£1,000 excess)
    • escape of water and oil (£350 excess). 

Please check the policy summary for further details.

How to make a claim
If you need to make a claim, please contact the claims department at Arthur J. Gallagher on 01245 341 200. 

The building policy number is: RL1388625

Preventing further damage in an emergency
In an emergency, you should take whatever action is necessary to prevent further damage to your home.

This could be switching off the gas, water or electricity. 

Contents Insurance Pexels Solliefoto 298842

You'll need to arrange contents insurance

The buildings insurance policy does not cover damage or loss to the contents of your home, you’ll need to arrange your own contents insurance.

Find out more