Optional Extras

With both our FreeFirst and BestQuote Buildings & Contents product options, your customers also have the option of including a range of Optional Extras, which are available for an additional cost.

Accidental Damage

Accidental Damage can be a valuable extra as it covers damage caused accidentally and not on purpose or inevitably.

Buildings Accidental Damage provides cover against accidental damage to the buildings, including fixtures and fittings and any part of the structure or decorations. This could cover, for example, a foot accidentally being put through the attic floor. In addition this also covers accidental breakage to underground drains, pipes, cables and underground tanks providing services to and from the home to which the owner is responsible.

Contents Accidental Damage provides cover against accidental damage to the contents of a property. This could cover an accidental paint spillage on a carpet or a television set being knocked over.

Personal Possessions Cover

Personal Possessions Cover can be taken out if Contents cover is selected and insures against loss or accidental damage inside or outside the home. Subject to the policy terms and conditions it covers articles which are normally worn or carried such as clothing, baggage, watches, jewellery, cameras, keys, laptops and bicycles and offers the following limits:

  • Up to £10,000
  • Up to £15,000 if Contents Extra is selected

Home Emergency Cover

Home Emergency Cover, underwritten by DAS Legal Expenses Insurance Company Limited, provides assistance if your customer has a home emergency, which is a sudden, unexpected event in the home which requires immediate action to:

  • Make your customer's home safe and secure
  • Avoid damage or further damage
  • Ensure the home is fit to live in
  • Restore electricity, gas or water services to the home if they have totally failed

Subject to the policy terms and conditions we will provide cover up to a maximum sum insured of £500 (including VAT) in respect of:

  • Call out, material and labour charges of a qualified tradesman, appointed by us
  • Overnight accommodation and/or transport to the accommodation up to a maximum of £100 (including VAT) in the event that the insured property becomes uninhabitable

With our FreeFirst product, your customer pays no premiums for the first 2 months from the policy start date.

Legal Expenses Cover

Legal Expenses Cover is underwritten by DAS Legal Expenses Insurance Company Limited and subject to the policy terms and conditions, we will meet the cost of your customer's legal expenses up to a maximum sum insured of £50,000 per insured incident in respect of:

  • Employment Disputes - In the event of a dispute arising from your customer's contract of employment, we will pursue and defend their legal rights
  • Contract Disputes - We will pursue and defend a claim resulting from the sale or purchase of your customer's personal goods or services
  • Bodily Injury - We will pursue claims for your customer's death or physical injury
  • Property Protection - We will pursue claims following damage to your customer's home or belongings
  • Tax Protection - We will represent your customer's rights throughout a full enquiry carried out by HM Revenue & Customs into their tax affairs
  • Legal Defence - We will defend your customer against criminal prosecutions and actions for unlawful discrimination or breaches of the Data Protection Act 1998 arising from your customer's work as an employee
  • We may also contribute to the cost of lost wages whilst your customer is on jury service.

With our FreeFirst product, you customer pays no premiums for the first 2 months from the policy start date.

If you require any further help or information please call our Broker Support Team on:
T: 0845 0615 100
E: brokers@paymentshield.co.uk
Lines are open:
8.00am - 7.00pm, Monday to Friday
8.00am - 1.00pm, Saturday

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