Property insurance

If you have home, appartment taking out a suitable insurance policy will ensure you are covered for damage from a variety of causes. While you should check the policy details carefully, our standard contracts will insure your buildings and premises for a range of risks including:

• fire and lightning
• explosion
• Bursting and overflowing of water pipes
• Storm and tempest
• flood
• damage caused by vehicles

You should notify Thames Insurance Group if your premises are left unoccupied for any length of time. Cover is likely to be reduced to fire only.

Contents insurance

Premises insurance only covers the physical building, so you will also need separate insurance cover for stock, machinery and contents.

Most policies give indemnity cover, which deducts the cost of any wear and tear when settling a claim. Contents are also covered against theft, providing there has been forcible and violent entry to, or exit from, the premises. See our guide on security and crime prevention.