Home > Insurance > Home Insurance > Cover options and additional information

Insurance

Home insurance

Cover options and additional information

Below is a summary of our main cover limits to help you choose the right home insurance cover to suit your needs. We also offer a number of optional extras you can add to the policy of your choice to ensure that you get the level of cover you need.

Key

Benefit available = Benefit available

Standard cover

Cover type Contents Buildings Standard limits Increased limits available
Loss/damage from specific events e.g. fire, theft, storm and flood Benefit available Benefit available    
Home contents – with “new for old” replacement Benefit available   £50,000* Up to £100,000
Valuables with a single article limit Benefit available   £2,500  
Personal money Benefit available   £500  
Theft of contents in garage / outbuildings Benefit available   £3,000  
Contents in the garden Benefit available   £500 £1,500
Replacement locks Benefit available   £500  
Food in the deep freezer Benefit available   £500  
Loss of heating fuel and metered water Benefit available   £1,000  
Occupier's or personal liability Benefit available   £2m  
Employer’s liability Benefit available   £10m  
Loss of rent / alternative accommodation £5,000 20% of sum insured    
Identity Theft Helpline Benefit available      
Household removals Benefit available      
Tracking and accessing leaks   Benefit available £5,000  
Accidental damage cover for television, video, audio or audiovisual equipment Benefit available      
Buildings cover, including damage to services and breakage of fixed glass and sanitary fittings   Benefit available £500,000* £600,000
Liability to the public   Benefit available £2m  

* The limits shown are for our blanket terms, lower limits are available via our call centre, please call 0800 404 7507 to discuss your requirements with an advisor.

Optional cover

Cover type Contents Buildings
Extra accidental damage Benefit available Benefit available
Personal Belongings (in and away from home) Benefit available  
Working from home equipment Benefit available  
Pedal Cycles Benefit available  
Legal Expenses Benefit available Benefit available
Home Emergency Benefit available Benefit available
Home and Garden Package Benefit available  
Sports Package Benefit available  

Opening hours

Monday to Friday - 8am to 10pm
Saturday - 8am to 6pm
Sunday - 10am to 4pm

RAC Direct Insurance is a trading name of London and Edinburgh Insurance Company Limited. Registered in England No. 924430. Registered Office: 8 Surrey Street, Norwich NR1 3NG. An Aviva Company. Authorised and regulated by the Financial Services Authority. Calls may be monitored or recorded.