Sky Protect Home Insurance is designed to offer you peace of mind, protecting your home against the unexpected. Your policy provides cover against loss or damage, including flood, fire and theft. Depending on the type and level of cover you choose, it can protect your buildings, contents or personal possessions away from home.
This policy only provides cover for damage caused by a sudden, unexpected issue. It doesn't provide cover for dealing with the emergency itself (such as a burst water pipe).
If there is an emergency, see here on how to get in touch with the Sky Protect Home Emergency team.
If there is damage, loss or theft to your home's building, this may be covered under your policy's buildings section. It is important to know what is included, and what’s not included before making a claim.
What is included
Building replacement – up to £1,000,000 to repair, replace or rebuild your property in the same form.
Loss or damage caused by sudden or unexpected listed events (such as fire, theft, storm or flood) including subsidence, heave and landslip.
Loss or damage caused by escape of water or oil leaking from a fixed appliance, pipe or tank.
Accidental breakage of glass and sanitaryware.
Alternative accommodation should your home be uninhabitable– up to £100,000.
Accidental damage to cables or underground service pipes.
Tracing a leak in your home – up to £5,000.
Property owner’s liability – up to £2,000,000 (for injury or property damage).
Exclusions apply, so make sure should check your policy wording for more information.
What’s not included
Loss or damage caused due to a lack of maintenance to the building.
Loss or damage caused by general wear and tear.
Mechanical breakdown (Washing machines, fridge freezers, dishwashers etc.)
Storm or flood damage to fences, gates, hedges or railings.
Subsidence to external features such as walls, fences or terraces (unless the main structure is damaged at the same time).
Escape of water – loss or damage caused by the failure or lack of grout or appropriate sealant.
Theft and attempted theft – while your home is lent, let or sublet to tenants, lodgers or paying guests.
Events such as theft, malicious damage, and escape of water, if your home is left unoccupied for more than 60 days.
Replacing undamaged items which form part of a set or suite.
Going away?
If you know you’re going to be leaving your home unoccupied for more than 60 days in a row, you must tell us beforehand as this may affect your cover.
Before making a claim
Before making a claim, check your policy wording to make sure you’re covered. Excess is always payable when making a claim, so make sure to always check the specific excess for the type of claim. You’ll find this on your policy schedule.
Have your policy number ready and anything that may help with your claim such as dates and times, a crime reference number (if applicable), and photos that may support your claim.
How to get in touch
For more information on how to make a Sky Protect Home Insurance claim, see here.