Cover

Seven kinds of cover, one office to ring

Each one placed across 21 insurers and specialist underwriters. Prices are typical annual premiums for a plain risk; yours depends on the details.

from £190 a year

Buildings, contents and somewhere to live while the floor comes up.

from £240 a year

One schedule for every property you let, with loss of rent included.

from £640 a year

The van and the tools in the back, on one policy.

from £2,100 a year

Two vehicles or twenty, all on one renewal date.

from £410 a year

Stock, glass and the takings you lose while the doors are shut.

from £260 a year

Public liability, tools, and the job you have already been paid for.

from £1,400 a year

The house, the buildings, the stock and the machinery, on one policy.

Side by side

How do the covers compare?

The limit people ask about most, the standard excess, and where each one starts.

Cover	Who it is for	The limit that matters	Standard excess	Typical from
Home insurance	Owners of houses, cottages and flats, including listed, thatched and non-standard construction.	Buildings to £1m rebuild	£250	£190 a year
Landlord insurance	Landlords with one flat or forty, including HMOs, student lets, holiday lets and properties between tenants.	Loss of rent to 24 months	£350	£240 a year
Van insurance	Sole traders and small firms running one working van, from car-derived vans to tippers.	Tools to £10,000	£500	£640 a year
Fleet insurance	Firms with two to twenty vehicles who are tired of a renewal letter every other month.	Up to 20 vehicles	£500 per vehicle	£2,100 a year
Shop and premises	Independent retailers, cafés, salons and offices in a single unit, owned or leased, with or without a flat above.	Business interruption to 24 months	£500	£410 a year
Trade and liability	Builders, electricians, plumbers, joiners and groundworkers: sole traders and firms up to ten people.	Public liability £2m – £10m	£250	£260 a year
Farm insurance	Family farms and estates, from smallholdings to 800 acres, including farm shops, holiday lets and equine.	Farm buildings at rebuild cost	£1,000	£1,400 a year

Excesses and limits are the usual starting point. Most can be changed: a higher excess lowers the premium.

Most people need two or three of these on one schedule. Ring and describe what you do; we will work out the rest.