Premier Home Insurance

With Premier cover your home insurance policy includes extra protection, which isn’t automatically included in Standard cover:

any accidental damage – from paint spills on the carpet to knocking a nail through a pipe
storm damage to gates and fences
accidental damage to freezer contents
visitors’ belongings
students’ possessions – when your children are at university or college
a dependent relative’s possessions – when they’re in a residential care home.

Our Premier cover has been given a Five Star rating by Defaqto.

Compare Premier and Standard cover

Buildings Features	Premier	Standard
Sums insured	Unlimited – except for legal liability	Unlimited – except for legal liability
Accidental damage	Unlimited for all parts of the building	Unlimited for ceramic hobs in fitted units, sanitary fittings and fixed window glass in doors, fanlights and skylights
Excess	No policy excess – except for subsidence, heave or landslip excess of £1,000 (voluntary and compulsory excesses may apply)	No policy excess – except for subsidence, heave or landslip excess of £1,000 (voluntary and compulsory excesses may apply)
Alternative accommodation	Unlimited	Unlimited
Fences and gates	Unlimited	Unlimited – excludes storm and flood damage
Underground service pipes and cables	Unlimited for accidental damage and blockages	Unlimited for accidental damage – excludes blockages
Legal liability as a homeowner	£2 million	£2 million
Home Emergency Cover	Optional – we will arrange for an approved contractor to carry out emergency repair, or permanent repair (if it is a similar price) up to a maximum of £1,000	Optional – we will arrange for an approved contractor to carry out emergency repair, or permanent repair (if it is a similar price) up to a maximum of £1,000
Legal expenses	Optional – up to £50,000	Optional – up to £50,000

Contents Features	Premier	Standard
Sums insured	Unlimited – limits apply to money and liability	Unlimited – limits apply to money and liability
Accidental damage	Unlimited for all contents	Unlimited for: TV, video, audio, Computer equipment (excluding portable items), mirrors, fixed glass in and glass tops of furniture, ceramic hobs and ceramic tops of cookers and glass oven doors
Excess	No policy excess – except for a subsidence, heave or landslip excess of £1,000 (voluntary and compulsory excesses may apply).	No policy excess – except for a subsidence, heave or landslip excess of £1,000 (voluntary and compulsory excesses may apply).
Fraudulent use of credit cards	Unlimited	Unlimited
Money	£500	£500
Office equipment at home	Unlimited	Unlimited
Freezer contents	Unlimited	Unlimited – except for accidental damage
Loss/theft of goods in transit from M&S to your home	Unlimited	Optional – as part of contents away from home cover
Dependent relatives’ possessions – when they’re in a residential care home	Unlimited	Not covered
Students’ possessions at college or university	Unlimited	Optional – as part of contents away from home cover
Replacement locks and keys	Unlimited	Unlimited
Personal liability	£2 million	£2 million
Domestic employees’ liability	£10 million	£10 million
Tenants’ liability	£40,000	£40,000
Contents away from home	Optional	Optional
Alternative accommodation	Unlimited	Unlimited
Household removals	Unlimited	Unlimited
Title deeds reinstatement	Unlimited	Unlimited
Home Emergency Cover	Optional	Optional
Legal expenses	Optional – up to £50,000	Optional – up to £50,000