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Cover Me Insurance, with Northernrock.co.uk allows you to create a completely personal policy that you can feel comfortable with.

Create Your Own Policy:

• Choose your insurance type - buildings, contents, personal, possessions or homeworkers cover
• Choose your options - accidential damage, voluntary, excess, cover limits

Cover Me comprehensive buildings and contents insurance:

• Wraps up your home insurance in one easy to understand policy.
• Gives you a full range of cover and lets you choose the options that suit you best.
• Protects your home, contents and possessions against the usual domestic problems.
• Gives you peace of mind at a price you can afford and can include automatic discounts.
• Guarantees to deal with any claims quickly and efficiently.
• No hassle, no fuss, just complete peace of mind.
• New properties qualify for discounts.
• Over 40 or over 55? Qualify for further discounts.
• Simply meet the Cover Me security requirements.

Buildings Cover

If you opt for buildings cover, it includes your home, garage, shed, greenhouse or any building forming part of your property. You are protected against all major causes of damage including fire and smoke, theft, storm, flood, subsidence, water damage and more. Rebuilding cost guarantee means that your cover is also effectively unlimited. If the worst happens and your home is completely destroyed, Cover Me builings insurance will automatically reinstate your property back to the way it was. If you cannot live in your home until the insured damage is put right, they will even pay the cost of alternative accommodation.

Contents Cover

Most of the things that make your house a home are covered when you opt for our contents cover. That includes furniture, carpets, TV, video, audio, computer, kitchen equipment, glass, china and much more. When you buy something new, you are automatically covered up to an agreed limit. This means you do not have to work out an exact figure for your contents or make contact every time you buy something new. Even expensive items are automatically covered up to an agreed maximum amount. However, if you do need to increase the level of cover for a particularly valuable item, that can be done too.

Accidental Damage

You can also select to be covered against accidental damage to your buildings or contents. So, if anything covered under your policy is accidentally damaged, Cover Me will pay to put it right.

Personal Possessions Cover

Opt to cover your personal possessions (personal effects, valuables and money) and they will be insured outside your home up to a value of between £2,000-£7,500, chosen by you. You can claim up to £1,500 for any one article and choose the total limit you would like to cover. You can even take your possessions overseas, they are still covered.

Homeworkers Cover

If you work from home, you can the Homeworkers Extension. Choose a level of cover that suits you, your business equipment, money and stock will all be covered, in your own home.

What will a policy cost?

• If you are over 40, you will get an automatic discount on your policy. This discount will be even higher for those over 55.
• If you want to insure a relatively new property, you could receive a further discount based on the building's age.
• You could also receive a discount if your property meets the minimum security requirements.
• If you want to reduce your premiums even further, the level of excess applicable to your policy can be increased - it is entirely up to you.
• Once you have had your policy for two years, you will receive an automatic discount off your premium.
• You can choose to pay your premiums annually or spread the cost over the year in monthly instalments. It is up to you.

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

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