For full details please refer to the Home Insurance Plus policy document and our Home Insurance Plus summary table. To find out more about the additional benefits you get with Home Insurance Plus take a look at the additional benefits overview.
Below are the choices of cover available to you with a Direct Line Home Insurance Plus policy:
Direct Line Buildings Insurance Plus
- Automatically provides unlimited buildings cover for the cost of rebuilding your home and any outbuildings.
- Covers the structure of your home, roofs, walls, fences, gates and outbuildings, plus permanent fixtures like kitchens, bathrooms and fitted wardrobes.
- Covers fire, lightening, storm or flood (excluding fences and gates), theft, explosion, escape of water or oil, vandalism and subsidence.
- Also covers burst pipes, the cost of alternative accommodation if necessary (following an insured event) and accidental damage cover as standard.
- 24 hour emergency helpline.
Direct Line Contents Insurance Plus
- Automatically provides contents cover up to £50,000.
- Automatically provides cover on a new-for-old basis for household goods, including furniture, carpets, curtains and your personal belongings in the home, garages and sheds.
- Covers cash in your home up to £1,000 plus items in the garden up to £2,500.
- Covers against fire, smoke damage, lightening, theft, flood and escape of water or oil.
- Also covers unlimited freezer contents, replacement locks and keys if your keys are lost or stolen and possessions temporarily removed from the home to another e.g. while children are attending university. (Up to 15% of the contents sum insured) after 'attending university'.
- Includes an automatic 20% increase in contents cover for several weeks either side of Christmas, family weddings and the birth of your child.
- Covers accidental damage as standard.
- 24 hour emergency helpline.
Direct Line Home Insurance Plus Benefits
- Accidental damage included as standard – e.g. cover for DIY disasters, damage to furniture, ornaments, carpets etc.
- Personal Possessions included as standard – covers your personal effects and valuables, including cash and credit cards outside the home – on holiday for example.
- Family Legal Protection included as standard – A confidential 24 hour helpline manned by legal experts, and up to £100,000 of legal costs to pursue your rights for issues such as:
- Employment claims – Unfair dismissal, breach of contract, discrimination due to sex, race or disability. The cause of the action must start at least 90 days after cover starts.
- Personal injury claims – accidents at work, accidents in public places, accidents caused while cycling or in a car and clinical negligence.
- Contract claims – Purchase of a faulty car, purchase of faulty goods, purchase of negligently performed services, a poor holiday experience.
- Property claims – Disputes with your neighbour, noisy neighbours, boundary disputes. The cause of action must start at least 90 days after cover starts.
All claims must be reported to the legal helpline as soon as possible. Claims are handled by our staff or by one of our panel of solicitors until the issue of legal proceedings.
- Home Emergency included as standard – cover for home emergencies involving plumbing and drainage, heating, electrics and security.
- Annual Travel included as standard – cover for emergency medical expenses abroad and cancellation. Please note: not available for 65 or over or if you have pre-existing medical conditions.
Interested? Why not get a Home Insurance Plus quote?
Need more information? See our Home Insurance Plus policy document and our Home Insurance Plus summary table.
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