An overview of our standard insurance cover

Buy your Buildings & Contents Insurance with Paymentshield through your financial intermediary who can establish your demands and needs and recommend the most suitable product for you.

You have a choice of Insurance options including:

• Buildings only cover
• Contents only cover
• Buildings & Contents combined

Buildings & Contents Insurance can be taken out by new and existing mortgage borrowers. We provide Buildings insurance up to a maximum of £300,000 and Contents insurance up to a maximum of £40,000.

Where you have opted for Buildings Extra, the sum insured is increased to £500,000 and where you have opted for Contents Extra, the sum insured is increased to £60,000.

Subject to the standard policy conditions (and sum insured limits) you are covered if your building and/or contents are damaged by:

• Fire, smoke, explosion, lightning or earthquake
• Riots, civil commotion, labour and political disturbances or strikes
• Malicious damage or vandalism
• Storm or flood
• Impact or collision
• Subsidence or heave
• Escape of water or oil
• Theft or attempted theft

Full Terms & Conditions [pdf 209KB]

For the full policy conditions, including restrictions and exclusions, please always refer to your policy Terms and Conditions booklet, which is included with your certificate of insurance.