Buildings and Contents
You can reduce your premiums by increasing the excess (the amount you pay for a repair or replacement as part of a claim) from £50 to up to £250, or pay a little more to remove the excess entirely.Buildings Cover meets the cost of damage caused by:
- Fire
- Lightning or explosion
- Storm or flood
- Escape of water or oil
- Impact by aircraft, animals or vehicles
- Subsidence, heave or landslip
- Breakage of glass or sanitary fittings
- Accidental damage to underground pipes or cables
- Falling trees or branches
Automatically meets the total cost of repair or replacement of your belongings, including high-risk items, like jewellery, hi-fi and personal computers, up to a specified value each.
Standard cover also includes cover for:
Up to some maximum figure. Ask for details
- Freezer contents
- Personal money in your home
- Any losses arising from illegal use of stolen credit cards
- Fitting new locks if any keys are stolen or lost
- Any office equipment you keep at home
- Property kept in the open, for example, in your garden
- The full cost of replacing mirrors or fixed glass in furniture broken by accident
- Loss of metered water
- Damage to satellite equipment
- Damage to or theft of deeds and documents
- Any legal liability you incur as occupier of your home or land, or in your personal life
- Accidental buildings damage cover — for mishaps like damage caused while doing DIY or carrying out maintenance
- Accidental contents damage Cover — for breakages and spills at home
- Personal belongings cover — for loss of or accidental damage to you and your family's personal belongings at, or away from home. Choose up to £6,000 worth of cover, up to a limit of £2,000 per item
- Home emergency cover — access to our emergency helpline to put you in touch with a reliable tradesman to fix a problem like a burst pipe or electrical failure, and up to £250 for call-out charge, labour and materials
- Legal expenses cover — cover for up to £50,000 in legal expenses to pursue or defend a legal action, for example a personal injury, employment or consumer rights claim
E J Folkard is a member of Susan Fleck Associates Limited, which is directly authorised and regulated by the Financial Services Authority (FSA).
Registered address: Granville House, Granvile Road, Maidstone, Kent ME14 2BJ
Telephone 01622 688851 FSA Reg No 447018
The FSA does not regulate some forms of mortgage.
This site is intended for those residing in England and Wales only.
Registered address: Granville House, Granvile Road, Maidstone, Kent ME14 2BJ
Telephone 01622 688851 FSA Reg No 447018
The FSA does not regulate some forms of mortgage.
This site is intended for those residing in England and Wales only.