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Santander Insurance enhances home insurance policy

Santander Insurance has enhanced the cover and limits on its home insurance products with the launch of 'Choices and Peace of Mind Plus' policy in UK.

Santander Insurance said Choices will replace the current Essentials product to become the home insurance product of choice for consumers across the UK.

The product will offer the customer: blanket buildings sum insured cover of up to £500,000 as standard; temporary accommodation, ground rent and loss of rent cover up to £50,000; the ability to specify the contents sum insured they want, up to £55,000; and a compulsory excess of £150 for buildings and contents including accidental damage.

Peace of Mind Plus will replace its predecessor Peace of Mind policy, offering an unlimited total sum insured for both building and contents. The product is available as a combined buildings and contents policy or as separate buildings and contents policies.
The policy will offer up to £10,000 of cover per incident for contents temporarily removed from the home; cover for the cost of re-landscaping the garden following insured damage up to £2,500; a compulsory excess of just £95 for buildings and contents including accidental damage; cover for single items of valuables worth up to £2,500 without the need to note them individually on the policy.

The policy also offers cover for single personal possessions up to £2,500 without the need to specify the items under personal possessions cover (pedal cycles limit is 300 pounds); and cover for ground rent the customer is still required to pay if the home cannot be lived in following insured damage.