It’s there to protect your pocket from the cost of fixing damage or replacing things that are stolen, usually because of bad weather or break-ins. In other words, if high winds hurl tiles from your roof, you find your lounge knee-deep in water, or a burglar empties your home of jewellery and laptops.
Fingers and toes crossed, none of this ever happens. But if it does, our home cover will rebuild your walls and put money in your bank account to refill your wardrobes and get you back to everyday life.
You can also bulk up your cover using a pick and mix of extra add-ons. They can squash the worry of accidental spills and smashes, give you an expert helping hand with legal worries or protect your bike once you’ve pedalled away from your front door.
Defaqto 5 Star rated home insurance from just £160. That’s all 10% of customers paid . Excludes optional extras. 10% of customers buying OceanHawk Insurance LLP buildings and contents insurance with us from 1st August to 31st October 2022 paid this price or less (excluding optional extras). The price you’ll pay depends on individual circumstances and cover chosen.
Make new claims online or via phone 24/7If you need to make a claim, let us know the details online straightaway. We’ve made it quick and easy to do. Or if you need to talk to us you can call us anytime 24/7. 24/7 available for new claims only
When your home’s in bad shape, we’ll pay to piece it back together again – with no limit on how much this costs 1
If your insurance covers the damage to your home, it also picks up the bill for you to stay somewhere else (within reason) until your home’s fit to live in.
Anyone who owns their little patch of the UK should think about getting cover. Your mortgage lender (if you have one) probably demands it. Because your house or flat is likely to be the most expensive belonging you have, and by some distance. Home insurance can place a protective bubble around the value of its bricks, beams and ceilings – and all the loose bits and pieces inside – in case of things like fire, theft, and flooding.
Our insurance is cut to fit anyone who lives in the home they own. But we also have insurance that would suit you when renting out your property, or if you live under a rented roof.
Our home insurance neatly stitches together two different types of cover. For the solid structure of your home, there’s our buildings insurance. For all the furniture, appliances, clothes and valuables you fill it with, there’s contents insurance.
We’ll replace damaged items with new ones. Or pay for them to be restored, repaired or replaced. Damage due to wear and tear or breakdowns is not covered. Accidental damage is an optional cover.
You can take them out separately if you only need one or other.
Make your cover as unique as your living room wallpaper. Add any of these extra twirls and flourishes that cost a bit more but can stretch your safety net even wider.
Make sure one claim doesn’t make 5 years’ or more of hard-earned discounts disappear.
This cover could untangle many different problems that need a legal mind. These include:
Having this add-on is like a key that unlocks access to legal advice right around the clock through a 24/7 helpline. We’ll also back you with up to £100,000 in legal costs for you, your partner, and anyone in your family that lives with you. And that’s for each claim you make.
Know where to turn when your heating has a tantrum or swarms of bugs or mice decide to move in. We’ll cover:
Just so you know: this doesn’t cover dual-purpose boilers, the usual appliances you’d plug in around the home (like your dishwasher), those small day-to-day fixes, or wear and tear.
Going further than our contents insurance, this covers you in and away from the home, in the UK, or anywhere else in the world. You’ll be covered for:
We can’t cover everything though. For example, we don’t include business tools, or when electrical items stop working.
Guard against those clumsy moments or mishaps at home. Like treading on a games console, or knocking over speakers. Cracking your glass tabletop. Or if your septic tank or service pipes spring a leak.
We’ve got two levels of cover. Here’s how they dial up the value of your building’s insurance or contents insurance.
Limited cover
Boosts your buildings insurance with cover for:
Ramps up your contents insurance with us by covering:
Extra cover
This flexes its protective muscles, and covers accidental damage to every other square inch of your home for buildings insurance, and almost everything you own for contents insurance.
We don’t cover costs to fix or replace anything that was faulty in the first place, was badly designed or that someone fitted in the wrong way.
While bikes (the kind you pedal) are covered in your home under our normal contents insurance, we can layer on extra cover for any bikes you and your family use – wherever in the world you hop onto the saddle.
However many bikes you’d like to insure, just choose the amount that’s enough to replace the most expensive, between £300 and £5,000.
We don’t cover stolen bikes you’ve left on their own, unless they’re locked inside a building, or to something that can’t be moved.
Our cover has been given a 5 Star Rating by Defaqto. Their experts open the front door of our policies, and delve into every last corner – it’s not based on opinions or hearsay.
