Home insurance with lifetime replacement-as-new cover
A claim happens, the expert visits, and the payout is less than the cost of replacing your things: that is depreciation. We offer home insurance that pays on new replacement value, whatever the age of your belongings.
Lifetime replacement value
In many policies, compensation reflects the age of the item: the insurer applies a depreciation deduction. With lifetime replacement value, compensation is based on the cost of replacing as new, regardless of age.
Configurable cover
Buildings and contents capital, outbuildings, pool, garden, solar panels, valuables, accidental interior breakage and more.
Frequently asked questions
What is depreciation?
The deduction applied to a payout to reflect an item’s age or wear.
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Lifetime replacement value
Compensation for damaged or destroyed belongings is based on their new replacement value, whatever their…
Depreciation
Depreciation is one of the most common reasons a payout falls short. The expert applies it to each item…
Home insurance quote
You are taken to our dedicated home-insurance journey, quick and with no…
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A dedicated few-minute journey, with lifetime replacement value.