Home insurance - Your cover

• What is Personal Accident Cover?

  Personal Accident Cover covers you, your partner and children up to the age of 18 in the event of:

  1. Injury
  2. Loss of limb
  3. Loss of sight
  4. Permanent total disability

  The most we will pay for any one claim is £50,000

  Personal Accident Cover is an optional cover and an additional charge will apply if you want to add this cover to your policy. Section I of your Schedule will show if you have this cover included on your policy. You can access this document through your MyAXA account. To register for MyAXA, please visit here.

  Terms and conditions apply.

  You’ll also find more details in your policy booklet.

• I am renting at the moment, can I get a Home Insurance policy for my contents?

  Yes, you can take out contents insurance while you are renting to cover items such as:

  • Jewellery
  • TV's
  • Laptops
  • Smartphones
  • furniture

  Get a Quote for your Contents Insurance.

  Read more about our Contents Insurance.

• Are the contents of my shed/garage covered by my Home Insurance policy?

  Yes, our standard Home Insurance policy with buildings and contents cover also extends to any outbuildings located on your property, which also includes the structure and the contents of your garage or shed.

  Terms and conditions apply.

  You'll find more details in your policy booklet.

• Can I cover bicycles on my Home Insurance policy?

  Yes. You can cover bicycles on your Home Insurance policy and the maximum cover amount is £4,000. Your policy schedule will show if you have this cover. You can find your schedule in your MyAXA account.

  Please note: We can only cover bicycles for personal use.

  You’ll find more details in your policy booklet.

• Am I insured if someone is injured when they are working in my house?

  Yes, your home insurance policy covers liability for injuries to domestic employees such as cleaners or gardeners.

  Please note: some restrictions apply for this cover.

  You'll find more details in your policy booklet.

• Are my garden furniture and shed covered by my Home Insurance policy?

  Garden furniture and sheds are covered depending on the level of cover provided by your policy.

  Your Home Insurance policy can be tailored to provide the level of cover you need.

  Building Insurance
  With our building insurance, we cover all physical buildings on the property. This includes your garden sheds and any outhouses you may have.
  It does not however cover any contents/furniture you may have in the garden.

  Contents Insurance
  Much like within the home, our contents insurance also covers any contents you may have in the garden of to £1000, including your garden furniture.
  It does not however, cover any buildings.

  Building & Contents Insurance
  This insurance cover gives you the best of both worlds if you own your home as it covers all buildings and contents.

  Terms and conditions apply.

• What is accidental damage on my Home Insurance?

  Accidental Damage is sudden, unintentional and unexpected physical damage to your buildings or contents, that can be seen.

  Examples of accidental damage are:

  • unintentionally putting a foot through the attic floor
  • suddenly spilling paint on the carpet

  You'll find more information on accidental damage in your policy documents.

  Terms and conditions apply.

• How much should I insure my buildings for?

  When you're buying home insurance, the amount you should insure your building for, should be the rebuild value of your property. The rebuild value of your property is the amount of money it would take to rebuild your home from scratch - not the market value of your home if you were to sell it.

  When calculating the rebuild value you will need to take into account the price of labour and materials, along with the cost of the site clearance, and architect fees. The calculation should also include any outbuildings/ sheds boundary walls located on your property.

  Please note: That the current market value of your home is not the rebuilding cost of the property, as it takes into account the land on which your home is built.

  If in doubt we recommend visiting the Association of British Insurers website and using their calculator to work out the rebuilding cost.

• What is Unspecified Belongings Cover?

  Unspecified Belongings Cover is an umbrella type cover which allows you to select a total amount of cover for valuable items. There is no need to list each of the items individually.

  You can select a set amount for which you would like to insure the unspecified items for. This cover is designed for low value items up to £1,000. This means that the most we will pay for any claim is the amount you set less your policy excess.

  Examples of items that can be covered include:

  • Jewellery
  • Laptops
  • Watches

  Unspecified Possessions Cover is an optional cover that you can choose for an additional cost.

  Your schedule will show if you have this cover included on your policy. You can view and download your Schedule through your MyAXA account.

  To register for MyAXA, you'll need your policy number, email address and date of birth.

  Terms and conditions apply.

  You’ll find more details in your policy booklet.

• Can I get additional cover on my Home Insurance?

  We offer a range of additional extras which you can choose from to extend your insurance coverage and create your ideal home insurance.

  Our range of extras include extended personal belongings and valuables cover, accidental damage cover, personal accident cover and bicycle cover.

  You can view our full list of benefits on our Home Insurance page.

• Does my Home Insurance cover accidental damage?

  Accidental damage cover provides additional protection for those accidents that can happen in any home.

  Accidental damage cover can be added as an optional extra to your Home Insurance. These accidents can include:

  • Paint spills
  • Accidentally dropping a computer or TV
  • Putting your foot through the attic floor

  Your schedule will show if you have this cover. You can find it in your MyAXA Account.

  Terms and conditions apply.

• Does my Home Insurance cover me if I work from home?

  Over the last few years working from home has become a popular way to work. We understand that having protection of your work equipment is important to you.

  Under our Contents Insurance, as well as our Buildings & Contents Insurance, we do offer cover for business equipment. This means that if you are working from home, you have peace of mind that all of your office furniture, furnishings, office equipment including documents and computer equipment that are owned by the business are protected in the event of any unexpected incidents.

  For more information on what is protected, see your policy booklet.

• Does my Home Insurance policy cover my contents in my freezer?

  Yes, your Home Insurance policy covers you for loss or damage to your freezer contents.

  Section E of your Schedule will show if you have this cover included in your policy. You can access this document through your MyAXA account. To register for MyAXA you'll need your policy number, email address and date of birth.

  Terms and conditions apply. The most we will pay for any claim is £1000.

  You’ll find more details in your policy booklet.

• Am I covered for home emergency repairs?

  We want to be there when you need us most. That's why we offer Emergency Home Assistance on all our Home Insurance policies, giving you peace of mind that we are always on hand to help.

  Our Emergency Home Assistance is designed specifically for minor emergencies that may occur in your home, such as a plumbing issue or a broken window. We will send you an AXA-approved tradesman who will temporarily fix your issue, allowing you to have it permanently fixed at a later date.

  We will organise and pay up to £500 per claim for call out, labour, parts and materials to carry out an emergency repair.

  While we will, where possible, provide a temporary fix under Emergency Home Assistance, the duty is on you, the policy holder to have a permanent repair by a qualified tradesperson as soon as possible.

  So, if you have a minor home emergency, like a broken window or burst pipe, our team are here to support you anytime, day or night. Simply contact us on 02890 020104.

  Please note: This is a complimentary service we offer completely free of charge and is available anytime day or night, up to 4 times a year. It is not designed to replace your buildings and contents insurance and will not provide assistance for normal day to day home maintenance.

• What is covered under AXA Home Insurance?

  We want to make sure that whatever type of home you have – whether it's a rented property or property that you own, we are here to protect you.

  Our Home Insurance covers buildings and contents against unexpected accidents such as fire, theft, flood and storm, along with much more.

  You can choose from three different packages, allowing you to choose the best policy for your home.

  • Buildings Insurance
  • Contents Insurance
  • Buildings and Contents
• Is my engagement ring covered under my Home Insurance?

  For many people, an engagement ring is a large investment and needs to be insured. That's why we cover valuables such as engagement rings under both our Contents insurance and Building & Contents insurance.

  If you need additional cover for your engagement ring when you're outside the home then you can specify it on your home insurance policy as an optional extra, for an additional premium.

  For more information on your cover see your policy booklet. To specify your engagement ring on your policy call us on 03458 28 28 22.

• Am I covered for property stolen from my garden?

  Yes, your home insurance policy will cover your garden furniture up to £1,000.

  Please note these valuables are excluded;

  1. Money
  2. Plants
  3. Shrubs
  4. Trees
  5. Bicycles

  Terms and conditions apply.

  You’ll find more details in your policy booklet for more information.

• How much should I insure my house contents for?

  The value you insure your contents for should represent the total value of the possessions in your home. The general rule is that contents are all items that you would take with you if were to move home, in other words “moveable objects”.

  For example, this will include:

  • Furniture
  • Clothes
  • Personal belongings

  You should also take into account items such as curtains and carpets.

  Please note: Fixtures and fittings such as bathroom suites and kitchen units shouldn't be included in your contents value calculation.

  Please see your policy booklet for a full description of contents and limitations.

  See What is personal belongings cover.

• What type of Home Insurance does AXA offer?

  Buildings Insurance

  Buildings Insurance covers the property’s structure, fixed appliances along with any sheds/outhouses in the event of fire, flooding or storm damage. It also includes any damage to your underground services, windows, or any escaped water from the likes of kitchen pipes. This does not cover any belongings or contents you may have within the home.

  Contents Insurance

  Contents cover provides protection for any of your personal belongings or valuable contents within the home. This type of insurance is recommended to those who are renting their house as it will only protect your contents and not the building structure.

  Buildings & Contents Insurance

  Buildings and Contents cover protects both the physical building, along with all contents/belongings within the home from unexpected events.

  For more information on what your home insurance covers see our policy documents.

• What is Personal Belongings cover?

  Personal Belongings cover is an optional cover you can choose to add to your home insurance.

  This cover is designed for high value items over £1,500 such as;

  • Jewellery
  • Laptops
  • Smartphones
  • Cameras

  Personal Belongings cover offers protection for valuable items while you are anywhere in Europe, or anywhere in the world for up to 60 days during the policy year.

  Your schedule will show if you have this cover. You can view and download your policy documents from your MyAXA account.

  Terms and conditions apply. You’ll find more information on Personal Belongings cover in your policy booklet.

• Does my Home Insurance policy cover me for jury service?

  Yes, your Home Insurance policy covers you for jury service. The most we will pay is £50 a day for each day you go to court and the most we will pay for any one claim is £1,000.

  Please note: You will have to give us written proof of your jury service.

  Terms and conditions apply.

  You’ll find more details in your policy booklet.