For guidance on how to calculate your building and contents sums insured please refer to our 'What Sum Insured' guide. If you take all reasonable measures to maintain your sums insured to the correct level your claims will be paid in full. Failure to do so may inhibit that ability.

You will need to update your sums insured if for example you build an extension to your home, or acquire contents items, which increase the total replacement cost.

What is average?

'Average' means your claims will be proportionately reduced if the sum insured is not adequate.

What Sum Insured Guide

Click here for our 'What Sum Insured' Guide