Frequently asked questions about home insurance

I am renting at the moment. Can I get home insurance policy for my contents?

  • Yes, you can insure contents that you own in a rented property.


    Please note we will only be able to offer contents cover in accommodation that is shared with your partner/spouse.


    Alternatively you can contact us on 02890 020104.

What is wear and tear on a home insurance policy?

  • Wear and tear is a damage to the property as a result of ordinary use or damage that occurs gradually over time.


    Some examples of wear and tear are:


    • Small scratches on the walls or paint.
    • Worn or slightly stained carpets

    Your home insurance policy covers you against unforeseen events like:


    • Fire
    • Theft
    • Flood
    • Damage to the property as a result of wear and tear is not covered.

Am I covered for home emergency repairs?

  • We will be able to help you if you have an emergency in the home such as:


    • Burst pipes
    • Storm damage
    • Break-ins

    Please call our AXA Assistance team on 0345 399 5335.


    We will offer practical advice. If you need, we will find a suitable tradesman and let you know the call-out time and price.

Can I cover bicycles on my home insurance policy?

  • Yes, you can cover bicycles on your home insurance policy. The maximum cover amount is £1,500.


    Please note that we can only cover bikes for personal use.

What is accidental damage cover on home insurance policy?

  • Accidental damage cover provides additional protection for things you might do by accident.


    These include:
    • Spilling paint on the carpet.
    • Drilling through a pipe.
    • Hammering a nail through an electrical wire.
    • Putting a foot through an attic floor.

    Terms and conditions apply.

How can I report a home insurance claim?

How can I calculate the amount I should insure my contents for?

  • Your contents sum insured 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
    • Carpets

How can I calculate the amount I should insure my buildings for?

  • To calculate how much you should insure your property for, you need to calculate the rebuilding costs of your home. This is the amount of money needed to rebuild your home from scratch.


    When calculating this amount you will need to take into account the price of labour and materials as well as the cost of the site clearance. 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 Society of Chartered Surveyors website and using their calculator to work out the rebuilding cost.

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, please refer to your policy document for more information.

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 excludded;


    • Money
    • Plants
    • Shrubs
    • Trees
    • Bicycles

    Terms and conditions apply, please refer to your policy document for more information.

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 that some restrictions apply for this cover.


    For full details please go to our policy document for more information.

What is Personal Possessions Cover?

  • You can choose from two different types of cover: Specified Possessions and Unspecified Possessions.


    Personal Possessions Cover is an optional extra that you can add to your home insurance policy.


    Under this section you can insure your valuable items away from your home, such as:


    • Jewellery
    • Laptops
    • Cameras

    Terms and conditions apply, please refer to your policy document for more information.

What is Specified Possessions Cover?

  • With Specified Possessions Cover you can insure individual items away from your home and specify their value on your policy.


    The examples of such items include:


    • Jewellery
    • Watches
    • Hearing aids
    • Sports equipment

    Please note: that there are limits to the amount you can insure individual items on your policy.

    Specified Possessions Cover is an optional cover and the additional charge will apply if you want to buy this cover.


    Section D of your policy schedule will show if you have this cover included on your policy. You can access this document in your MyAXA account. Alternatively, you can contact us on 02890 020104 or visit one of our branches.



    Terms and conditions apply, please refer to your policy booklet and schedule for more information specific to your policy.

What is Unspecified Possessions Cover?

  • Unspecified Possessions Cover is an umbrella type cover which allows you to select a total amount of cover for valuable items away from your home. 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. This cover it designed for small values items up to £1,500. 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
    • Hearing aids

    Unspecified Possessions Cover is an optional cover and the additional charge will apply if you want to buy this cover.


    Section D of your policy schedule will show if you have this cover included on your policy which you can access in your MyAXA account.


    Alternatively, you can contact us on 02890 020104 or visit one of our branches.


    Terms and conditions apply, please refer to your policy booklet and schedule for more information specific to your own policy.

I rent out one of the rooms in my home can I still get home insurance?

  • Yes, you can still buy a home insurance policy if you have a paying tenant in your home. Please make sure you let us know about this when getting your quote and setting up the policy.


    To get a quote or amend our existing policy, please contact us on 02890 020104 or visit one of our branches as this cover is not available online.

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. The most we will pay for any claim is £1,000.


    Section E of your policy schedule will show if you have this cover included your policy. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 02890 020104 or visit one of our branches.


    Terms and conditions apply, please refer to your policy booklet and schedule for more information for more information specific to your own policy.

Does my home insurance policy cover me for jury service?

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


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

    Alternatively, you can contact us on 02890 020104 or visit one of our branches.


    Terms and conditions apply, please refer to your policy booklet and schedule for more information for more information specific to your own policy.

What is Personal Accident Cover?

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


    • Injury
    • Loss of limb
    • Loss of sight
    • 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 policy schedule will show if you have this cover included on your policy. You can access this document in your MyAXA account.


    Alternatively, you can contact us on 02890 020104 or visit one of our branches.


    Terms and conditions apply, please refer to your policy booklet and schedule for more information for more information specific to your own policy.

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