For clients who have higher than average buildings and contents requirements

Lifestyle is targeted at your clients who have higher than average buildings and contents requirements.

Full details of the benefits, exclusions and limitations of the cover can be downloaded from the product literature area below. Please read this carefully to ensure the cover is suitable for your demands and needs.

Product literature

The latest version of product literature is available to download above. If you need a version prior to those shown or need any other advice about our products please contact your broker.


  • Standard cover includes:
  • Works of art
  • Garden cover
  • Trace and Access up to £5,000
  • Business equipment
  • Student’s possessions at university/boarding school up to £5,000
  • Emergency access
  • Removal of nests and squatters
  • Fatal accident following a fire or theft in the home
  • Freezer contents
  • Religious festival, birthday & wedding increase up to 10% of the contents sum insured
  • Home emergency £500
  • Options to include:
  • Personal possessions worldwide up to £30,000
  • Pedal cycles up to £1000 per cycle
  • Family plus legal protection up to £50,000
  • Index-linked buildings and contents sections


  • Combined buildings and contents discount
  • Competitive premiums
  • Up to 5 years' no claims discount on separate buildings and contents sections
  • Option to pay by instalments (via direct debit)
  • Dedicated household claims helpline 0330 024 2255 operated 24 hours a day, 365 days a year, by staff trained in managing household claims