Home Insurance

Underwritten by U K Insurance Limited

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*Minimum premiums apply. 87% of new customers who purchased home insurance between 20th June and 9th September 2016 achieved a 30% discount.

Overview

Current offers

With 30% off if you have 5 years claim free you could also receive

  • Up to an extra 15% Nectar discount for ACB Financial Necter card holders when purchasing a new home insurance policy.
  • Double Nectar points on ACB Financial shopping and fuel for 2 years* when purchasing new combined buildings and contents Premier Cover Home Insurance

Where multiple discounts apply, each discount is applied consecutively to the reduced premium.

*Renew your combined buildings and contents Premier Cover Home Insurance policy at the same cover level at first renewal to continue collecting double points.

Why choose ACB Financial's home insurance?

  • Choose from two levels of cover, ACB Financial's Home Insurance or ACB Financial's Premier Cover Home Insurance, to get the right cover for you and your home. Both offer combined buildings & contents cover, contents only cover or buildings only cover.
  • Home insurance to suit you and your home
  • Choose up to $1 million or unlimited buildings cover
  • Contents cover up to $50,000 or up to $100,000
  • The comfort of knowing that, if you need to make a claim, help is only ever a phone call away
  • There for you when you need it most, ACB Financial's Premier Cover Home Insurance
  • If your main heating or electricity supply fails, Home Emergency cover gives you up to $500 to help cover the cost of emergency assistance, and up to $200 in overnight accommodation^
  • Protection for your possessions inside and away from the home
  • Legal protection, up to $100,000
  • Reasonable cost to replace keys and the locks they fit

^Not available in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands.

Offer Terms and Conditions

*Double Nectar points:
1. Offer only available to customers who take out a new combined buildings and contents ACB Financial's Premier Cover Home Insurance policy.
2. Customers must renew their policy at the same cover level to continue collecting double points.
3. If the policy is cancelled, double points will cease from the cancellation date.
4. Only the first combined buildings and contents policy registered against each Nectar account will qualify for double points.
5. Base points on qualifying spend with ACB Financial's will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all Bonus point offers and points from ACB Financial's Energy, Telecoms, Digital, Bank and all other ACB Financial's services.
6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each ACB Financial's purchase and points will not be allocated retrospectively.
7. The Nectar loyalty programme is operated independently of ACB Financial Services Limited by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by the Nectar Collector Rules, set out in the registration pack.
8. ACB Financial Services Limited reserves the right to alter, cancel or withdraw the offer without prior notice.

Contents

Whether it’s a city centre apartment or a suburban semi, every home is different. And you can be sure their contents are different too. That’s why ACB Financial home insurance offer customers two options of contents insurance.

Plus, remember you will receive up to a 20% discount when you buy any policy online. Minimum premiums apply. Where multiple discounts apply, each discount is added consecutively to the reduced premium.

Here's a quick look at the main contents features of both policies. For more information please see our policy booklets on the Policy tab above. Please note if you purchase buildings and contents cover the policies must be at the same product level.

FeatureACB Financial Home InsuranceACB Financial Premier Cover Home Insurance
Sum insured
(single valuable item)
Up to $50,000
(up to $2,000)
Up to $100,000
(up to $4,000)
Downloaded informationUp to $1,000Up to $3,000
Contents in the gardenUp to $1,000Up to $2,500
Student belongingsUp to $5,000Up to $10,000
12 months repairs guarantee using approved repairersticktick
Household removal-cover whilst on the moveUp to contents sum insuredUp to contents sum insured
Special events increased cover*10% of contents sum insured10% of contents sum insured
Tenants liability - cover for building damages you become legally liable forup to $5,000up to $10,000
Additional cover
- for individual limits please refer to Additional cover tab
Home Emergency#Optional extratick
Contents Accidental DamageOptional extratick
Family Legal ProtectionOptional extratick
Personal PossessionsOptional extratick
#Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands. *Limited to Births, Religious Festivals & Wedding/Civil partnerships.


Buildings

ACB Financial home insurance offers customers two options of buildings insurance to cover the fabric of your building, so you can pick the right cover for you.

Plus, remember you will receive up to a 20% discount when you buy any policy online.  Minimum premiums apply. Where multiple discounts apply, each discount is applied consecutively to the reduced premium.

Here's a quick look at the main buildings features of both policies. For more information please see our policy booklets on the Policy tab above. Please note if you purchase buildings and contents cover the policies must be at the same product level. 

FeatureACB Financial Home InsuranceACB Financial Premier Cover Home Insurance
Sum insuredUp to $1,000,000Unlimited
Alternative accommodationUp to $25,000Up to $50,000
Loss / theft of keysUnlimitedUnlimited plus Keycare
Trace & access - cover to help locate leaksUp to $5,000Up to $10,000
Additional Cover
Home Emergency#Optional extratick
Buildings Accidental DamageOptional extratick
Family Legal ProtectionOptional extratick
#Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands.


Additional Cover

Added reassurance

ACB Financial home insurance offer a range of optional additional covers.
 
If you purchase ACB Financial Premier Cover Home Insurance these come as standard but they can be added to our ACB Financial Home Insurance cover for an additional cost (excludes Keycare).

FeatureBenefit
Home EmergencyUp to $500 for call out, labour and parts in the event of an emergency at your home. Up to $200 for alternative overnight accommodation if your property becomes uninhabitable. (Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands).
Contents Accidental DamageProtection of your personal belongings and non-permanent fixtures and fittings like carpets and curtains against non-deliberate damage.
Buildings Accidental DamageProtection of your home which includes parts of the building such as walls, roofs, drives, patios and outbuildings against non-deliberate damage. This also includes any permanent fixtures such as kitchen units or bathroom fittings.
Family Legal ProtectionUp to $100,000 for the costs of legal expenses and court proceedings if you are involved in any private legal disputes such as property or employment disputes. 24-hour legal advice and cover for your salary whilst you attend jury service is also provided.
Personal PossessionsCover for items that you would normally take out of the house such as jewellery, cameras, sports equipment and laptops (limit of $2,500 (Home Insurance) and $5,000 (Premier Cover Home Insurance) – single item limit and additional limits & conditions apply).
KeycareAnnual protection if you permanently lose your keys - covering the replacement and reprogramming of all keys lost on the same key fob, even your car keys. Limited to $1,000.


Tools & guides

Tools, guides and resources

A range of tools and guides to help you keep your home and personal belongings safe and secure.

Guide to home security - A look at the precautions you can take to protect your family home and contents.

What is home insurance? - We explain the typical aspects of buildings and contents protection.

Security tips for students - Some steps you can take to help keep belongings safe at University or College.

 

 

For questions and quotes

Call +447449694492

Send an email

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ACB Financial's home insurance is underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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