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Axa.co.uk Home insurance includes the following benefits within their standard cover for home contents insurance.

New for Old
They cover contents lost or damaged as new excluding clothing, furs and household linen, where a deduction is made for wear and tear.

Inflation Protection
To help protect you against the effect of inflation they may increase your sum insured and monetary limits for Contents in line with any changes in the Consumers Durables section of the Retail Price Index; You do not get charged for inflation protection, but at the renewal of your policy the premium will be based on the increased sums insured.

Accidental Damage to TV's, Hi-Fi's and other home entertainment equipment
Accidental Damage to Home Entertainment equipment is automatically included under their Contents Policy

Frozen Food
This is automatically included and provides cover for the contents of your freezer up to 300 for any one claim.

Money and credit cards
Coins and bank notes in current use are covered whilst in your home for up to 500 for any one claim.
Credit Card liability for up to 1000 for any one claim.
These are standard limits. You can choose to increase your Money limit to 1000, this is subject to a premium charge.

Replacement of locks
They will pay for the cost of replacing keys and locks or lock mechanisms following the loss of keys up to 500 for any one claim.

Christmas and weddings (gifts and provisions)
Your contents sum insured is automatically increased by 10% during the period of 1st December to the 15th of January, and 30 days before and after the wedding of a member of the family who normally resides at your Home.

Contents temporarily removed to the garden
This covers items such as garden furniture and lawn mowers when taken into the garden up to 500 for any one claim.

Accidental loss of oil and metered water
They will pay for accidental loss of oil or metered water up to 1,000 for any one claim.

Your liability as a tenant
Cover is provided up to 3,000 for any one claim or series of claims arising from any one event.

Liability to the Public
Cover is provided up to 2 million for any one claim or series of claims arising from any one event.

Liability to domestic staff
Cover is provided up to 10 million for any one claim or series of claims arising from any one event.

The following benefits are included in Axa.co.uk's buildings insurance standard cover:

Inflation Protection
To help keep the re-building cost of your property in line with inflation, the sum insured for Buildings may be increased in line with any changes in the House Rebuilding Cost Index. This is compiled by the Building Cost Information Service of the Royal Institution of Chartered Surveyors.

Accidental Damage to fixed glass, sanitary ware, service pipes and cables
Accidental Damage to these items is automatically included under their Buildings Policy.

Cost of tracing damage to service pipes and cables
They will pay the necessary and reasonable costs that you incur in locating the source of accidental damage to service pipes and cables including the reinstatement of any wall, floor or ceiling damaged during the search up to 5,000 for any one claim.

Replacement of Locks
They will pay for the cost of replacing keys and locks or lock mechanisms following the loss of keys up to 500 for any one claim.

Subsidence
Protects you from all new cases of subsidence, ground heave and landslip. This is subject to an excess, minimum 500, dependant on your postcode.

Professional Costs and Debris Removal
They will cover necessary professional costs and expenses of architects, surveyors, consulting engineers and legal fees for rebuilding or repairing your buildings. They also pay for the cost of clearing debris from the site. Cover is provided up to 10% of the sum insured for any one claim.

Alternative Accommodation
If you have to move out of your home as a result of damage covered by their policy. They will pay for temporary accommodation for you and your family up to 20% of the Buildings sum insured for any one claim.

Emergency entry
Loss or damage caused to your home if the fire, police or ambulance services has to force an entry because of an emergency involving you or your family.

Property Owners Liability
Cover is provided up to 2 million for any one claim or series of claims arising from any one event.

Additional information can be found on the Axa.co.uk Home Insurance website.
(See the links above)

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