If you leave your home unoccupied for more than 60 consecutive days then we reduce your level of cover.

Some of the main exclusions are against loss or damage caused by:

  • malicious acts or vandalism
  • escape of water or oil
  • theft, or attempted theft
  • freezing of the water or heating system
  • accidental damage to televisions, computers and other audio-visual equipment.

You will still be covered against loss or damage caused by:

  • fire
  • subsidence
  • storm
  • flood.

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