Home Insurance Assumptions

Important Statements

Insurance cover is subject to our standard policy wording. You can view the full Home insurance policy wording here. Please read the Home insurance policy summary before purchasing this product.

Please ensure that the information you have provided is accurate and the statements on this page are all correct. The premium is calculated using this information and any incorrect, inaccurate or incomplete information could invalidate all or part of the policy and result in claims being rejected or not being fully paid.

The home, Your House

Is your main residence and is permanently occupied solely by you and your family.
Is self contained with its own front door.
Is not used for business purposes other than paperwork, telephone calls, child minding and computer work.
Is not left unoccupied for more than 60 days in a row.
Is maintained in a good state of repair.
Is roofed with slate, tile, concrete, metal or asphalt.
To your knowledge your home (including your land) has not been damaged by flood during the last 10 years.
Your home (including your land) is not currently flooded or in danger of flooding.
Has not been affected by subsidence or structural movement and is not in an area subject to subsidence.

Items in the home, Your house

Please note the following regarding the cover of items in the home: Your valuables (including jewellery, furs, items of gold, silver or other precious metals, works of art, sets of stamps, coins or medals, watches) should not be worth more than 30% of your total contents sum insured.No one valuable item (as described above) should be worth more than £2,000 under Direct Line Home Insurance or £4,000 under Direct Line Home Insurance Plus unless specified.

You and any adult living with you have

Never had any insurance policy cancelled, or declared void by an insurer or had any extra terms imposed
Never been convicted of any criminal offence (other than motoring convictions) or have any prosecutions pending