Get a quote and buy now >>

Glossary


E

No fault, no excess

If you’re in an accident that wasn’t your fault and you can identify whose fault it was, you won’t have to pay any excess and it won’t affect your no claims bonus.

Exclusion

A provision in a policy that means we won’t cover certain circumstances, such as deliberate damage or recklessness.

Excess

When you make a claim, you pay a small part of the cost and we pay the rest. Your part is called the excess.  You pay an excess only when you make a claim. There are different types of excesses – see the FAQs for more information.

Defined events cover

Insurance for your home against fire, explosion, lightening, storm, flood, earthquake, landslip, electrical burnout, freezing, collision, burglary and vandalism.  What defined events doesn’t cover is accidental damage – for example, if you drop your TV when moving it to another room.

Top FAQs