Versatile Cover Products - INSURANCE|COMPARISON|COMPARE|CHEAP|HOUSE|INSURANCE★★★★★

Versatile Cover - Products

Our homes are typically our most valuable asset but incidents can and do occur which can potentially destroy or severely damage property. Home Insurance provides Customers with peace of mind by protecting their home, contents and personal possessions from damage or loss whilst also protecting their legal liabilities as a property owner or occupier.

VERSATILE CONTENTS COVER

Home contents insurance encompasses the things typically not covered by your buildings insurance - all the possessions you would normally take with you when you move house.

Benefits of Versatile Contents Cover

Versatile Contents Insurance policy is a high quality policy that covers the costs of loss or damage caused by a wide range of events fire,smoke damage,malicious damage, storms, floods, subsidence, theft , escape of water and vandalism up to the cost of £50,000.

In addition the Versatile Cover policy has the following benefits:

Covers theft of contents from your outbuildings up to £2,500
Covers business equipment if you or your family work from home
Covers cost of replacing food in your freezer that has been spoilt by an accidental change in temperature in your freezer
Replacement items are settled on a new for old basis
Your cover is unaafected if you leave your home unoccupied for up to 60 days.

Contents Extra Cover:

The Extra option gives the facility to increase the contents Cover up to maximum sum insured of £60,000

VERSATILE BUILDINGS COVER

Buildings insurance covers the main structure of your home. If your home were to subside, burn, or be damaged by extreme weather, your buildings insurance policy covers the costs of rebuilding or repair.

Benefits of Versatile Buildings Cover:

Covers properties with up to 6 bedrooms
Covers loss or theft of keys
Covers loss or damage to plants,shrubs and tress in the garden,up to £2,000
Your cover is unaffected if you leave your home unoccupied for up to 60 days
Covers the cost of alternative accommodation in the event that your house is Unfit to live in.

Buildings Extra Cover

Buildings Cover can be increased up to maximum sum insured of £500,000. It is also available for 7 and 8 bedroom properties.

VERSATILE ADDITIONAL COVER

Type Of Cover	Whats covered?
Accidental Damage	Accidental Damage can be a very import extra cover that you can add to your Buildings &/or Contents policy to cover damage caused accidentally and not purpose or inevitably.
Buildings Accidental damage Cover	It provides cover against accidental damage to the buildings including fixtures and fittings, and any part of the structure or decorations. This could cover putting your foot through the attic floor or dropping a heavy item on your bath causing it to break. In addition it covers accidental breakage to underground drains, pipes, cables and underground tanks providing services to or from your home for which you are legally responsible
Contents Accidental damage Cover	You can also insure the contents of your home against accidental damage. This could cover you against spilling paint on a carpet or knocking over your television set.
Personal Possessions	You can take out Personal Possessions Cover under Contents cover to insure against loss or accidental damage inside or outside your home. It covers articles which are normally worn or carried by you, such as watches, cameras, keys and bicycles.
Home Emergency	Let’s face it, at some point, we’ve all found it difficult to find a plumber when the boiler breaks down, or been caught short by the cost of parts or an emergency call out charge. Our Home Emergency cover, underwritten by DAS Legal Expenses Insurance Company Limited, provides an Emergency helpline to assist you with most emergencies and, if necessary, send out a qualified professional to complete any work. What is a Home Emergency? A sudden, unexpected event in your home that requires immediate action to: Make your home safe and secure Avoid damage, or further damage Ensure your home is fit to live in Restore electricity, gas or water services to your home if they have totally failed What’s covered? The cost of a Home Emergency that you tell us about (to an overall limit of £500 per claim and includes call out charge, material and labour costs of an appointed reputable contractor) Your accommodation and transport (up to £100) should your home become uninhabitable and remain so overnight What’s not covered? Any defect, damage or failure caused by malicious or wilful action, negligence, misuse, third party interference or faulty workmanship, including any attempted repair or modifications which does not comply with recognised industry standards Any claim if the insured property has been left unoccupied for more than 60 consecutive days Claims relating to external water supply pipes Any claim because your heating boiler fails where it is over 15 years old The cost of replacement parts due to natural wear and tear
Legal Expenses	Our Legal Expenses cover, also underwritten by DAS Legal Expenses Insurance Company Limited, can provide assistance for a range of issues such as unfair dismissal, a dream holiday ruined when the hotel turns out to be a building site, injury in the workplace or irrecoverable earnings lost through jury service – there are countless unforeseen situations that could leave you out of pocket. Your cover includes up to £50,000 per insured incident for you and your family. What’s covered? Employment disputes - in the event of a dispute arising from your contract of employment, we will pursue and defend your legal rights Contract disputes – we will pursue and defend a claim resulting from the sale or purchase of your personal goods or services Bodily injury – we will pursue claims for your death or physical injury Clinical Negligence – We will pursue claims if you have been injured as a result of negligent medical procedure Property protection – we will pursue claims following damage to your home or belongings Tax protection – we will represent your rights throughout a full enquiry carried out by HM Revenue & Customs into your tax affairs Legal defence – we will defend you against criminal prosecutions and actions for unlawful discrimination or breaches of the Data Protection Act 1998 arising from your work as an employee What’s not covered? Costs and expenses incurred before the claim is accepted in writing A £250 excess applies to any legal nuisance or trespass claim under the Property Protection section Claims relating to your alleged dishonesty or alleged violent behaviour Claims relating to written or verbal remarks which damage your reputation An insured incident intentionally brought about by you When it is more likely than not that you will be unable to recover damages or make a successful defence of your claim Full details of the restrictions and exclusions applying to the events and extent of cover can be found in the policy terms and conditions.

TYPE OF COVER

Here at Versatile we're very proud of our affordable and comprehensive home insurance policies. Why not take a look yourself and get a home insurance quote:

Type Of Cover	How much does it cover
Standard Buildings	Reinstatement value up to £300,000(blanket cover)
Standard Contents	up to £40,000(blanket cover)
Buildings Extra	Reinstatement value up to £500,000(blanket cover)
Contents Extra	up to £60,000(blanket cover)
Accidental Damage(Optional)
Personal Possessions(Optional)	up to £10,000(blanket cover)
Personal Possessions	up to £15,000(blanket cover)
Valuables	up to £15,000(blanket cover)
Home Emergency Assistance	£500(+£100 overnight accommodation)
Legal Expenses	up to £50,000(blanket cover)
Liability	£2 million

Cover at a glance

£300,000 buildings reinstatement cover as standard - This can be increased to £500,000 for an additional premium
£50,000 Contents Insurance – This can be increased to £75,000 for an additional premium
Up to £15,000 for specified items & valuables
Optional Extras available including Accidental Damage, Personal Possessions cover, Home Emergency cover & Legal Expenses cover

What’s not covered

As with all insurance policies there are certain circumstances you will not be able to make a claim, known as exclusions. Some examples include;

Any loss or damage to buildings caused by wet rot or dry rot
General wear and tear
Storm or flood damage to fences, hedges and gate

USEFUL INFORMATION

CONTACT US

Call Free from Landline and Mobile 0330 088 5150

OPENING TIMES
MON - THU	10:00AM - 8:00PM
FRI	10:00AM - 7:00PM
SAT - SUN	CLOSED

Buildings Cover provides Customers with peace of mind by protecting their home, find out how much you can save .

Contents Cover provides cover for your contents and possessions within your home.

With Buildings & Contents Cover you can choose from different levels of buildings and contents cover to suit your needs.

Landlords insurance is essential for anyone who is thinking of renting out their property.

Benefits of Versatile Buildings Cover

Versatile Building Insurance policy is a high quality policy thats covers the costs of restoring damage caused to the insured building and agreed accommodation expenses,until the property is restored to normal living conditions,up to the cost of £300,000.

Covers properties with up to 6 bedrooms.
Covers loss or theft of keys
Covers loss or damage to plants,shrubs and tress in the garden,up to £2,000
Your cover is unaffected if you leave your home unoccupied for up to 60 days
Covers the cost of alternative accommodation in the event that your house is Unfit to live in..

Buildings Extra Cover:
Buildings Cover can be increased up to maximum sum insured of £500,000. It is also available for 7 and 8 bedroom properties.

Benefits of Versatile Contents Cover

Versatile Contents Insurance policy is a high quality policy that covers the costs of loss or damage caused by a wide range of events fire,smoke amage,malicious damage,storms,floods,subsidence,theft ,escape of water and vandalism up to the cost of £50,000.

Covers theft of contents from your outbuildings up to £2,500.
Covers business equipment if you or your family work from home
Covers cost of replacing food in your freezer that has been spoilt by an accidental change in temperature in your freezer
Replacement items are settled on a new for old basis
Your cover is unaafected if you leave your home unoccupied for up to 60 days.

Contents Extra Cover:
The Extra option gives the facility to increase the contents Cover up to maximum sum insured of £75,000

The sale of General insurance is regulated by the Financial Services Authority. This regulation requires us to give you certain information about us: Versatile Cover is an appointed representative of ITC Compliance Limited who are regulated by the Financial Services Authority and we are able to provide an information based service. We are unable to offer you advice, personal opinion or tell you what we think is best for your needs. We can however, provide information to help you make your own informed decision as to whether the policy is suitable for you.

Versatile Cover (registered number 05984377) is a trading name of Versatile Mobile Ltd. registered in England at St James Court, 30 Brown st, Manchester, M2 1DH.Telephone calls may be recorded for security purposes and monitored under our quality control procedures.

Versatile Cover is an appointed representative of ITC Compliance Limited who are regulated by the Financial Services Authority. See www.fsa.gov.uk/register for further details.
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