Additional Benefits	No Extra cost
Up to 20% of the sum insured for alternative accommodation
Damage caused by frozen plumbing
Cover for accidental breakage of fixed glass in windows, doors or roofs, fixed ceramic hobs or fixed sanitary ware in your home.
Cover for accidental damage to TVs, DVD players, PC's and home entertainment equipment.
Extensive cover including home office equipment up to £5,000
Cover for up to £500 of garden contents
Extra 10% contents cover to insure wedding and Christmas presents. Please note: Extra cover for wedding presents applies 4 weeks before and 4 weeks after a family wedding. Extra cover for Christmas presents applies between 1 December and 15 January, provided you are insured over that period.
Theft of Home Heating Oil up to £500

Optional extras available - tailor your cover to include family legal protection, accidental damage, additional personal possessions and pedal cycle cover for use away from the home.

Some exclusions may apply. Full details of benefits and exclusions are outlined in the policy booklet which is available on request.

Guaranteed to Beat*

Save at least £25 on the cost of your home insurance.

If you're an Ulster Bank customer and currently have home insurance with another provider, we're offering you a great discount. If your quote isn't at least £25 cheaper than your current home insurance premium or renewal quote from your existing provider we will beat it by £25.

How it Works

• Get a quote by calling 0800 051 0502
• We will apply any discounts you are eligible for
• If your quote isn't already at least £25 cheaper than your current premium or renewal quote for your existing provider, tell our customer service team member so we can then Guarantee to Beat it!
• Applies to new home insurance customers in the first year only. Cover must be on a like for like basis and you must not have suffered a burglary in the last 12 months, nor made more than two claims in the last three years. This offer can be withdrawn at any time. Quotes are valid for 90 days. You must provide proof of your existing provider's premium/renewal quote.
• Not Available to existing Ulster Bank Home Insurance policy holders

Are my belongings covered outside the home or when I go on holiday?

Yes, if you take out our Personal Possessions cover. This is available as an optional extra under the Ulster Bank Home Insurance policy and covers your personal belongings (including up to £500 for Money and £500 for Credit Cards) against theft, loss or accidental damage anywhere in the British Isles and for up to 60 days abroad each year. Any individual items worth more than £1500 must be specified on the policy.

Does home insurance cover me for accidents?

Ulster Bank Home Insurance buildings cover does not include accidental damage cover as standard. However, this cover can be purchased as an optional extra.. It will cover accidents such as putting your foot through the ceiling. Ulster Bank Home Insurance contents cover does not include accidental damage cover as standard. However, this cover can be purchased as an optional extra. It will cover accidents such as spilling paint on the carpet.

Can I claim for storm or flood damage?

Ulster Bank Buildings and Contents policies protect your home against the effects of storms and floods. Your buildings policy covers damage to buildings, garages and sheds and your contents policy will protect the items within your home and garden. Damage to hedges, gates and fences are not covered for damage caused by floods or storm.

Are the contents of my garage covered?

The contents of your garage are covered under your contents policy providing your contents sum insured is sufficient to include them.

Is a bicycle theft covered by my contents insurance?

If the bicycle is stolen from your home, (including its garages or outbuildings) this is covered under our Home Contents insurance. However, if the bicycle is stolen while away from your home, it will only be covered if Pedal Cycle cover has been selected under the Ulster Bank Home Insurance policy - this cover is an optional extra.

What do I do if my pipes burst?

• Turn off the water at the main stopcock or meter.
• Switch off the central heating, immersion heater, etc.
• Turn on all your taps to drain the system.
• If water has flooded wiring or electrical systems - do not touch them before arranging a professional inspection. Turn off the electricity at the mains.
• Call professional tradesmen - plumbers, electricians, etc - to make repairs.
• And most important of all - contact Ulster Bank immediately on 08700240071 to register your claim and get further guidance on what to do next!

Is a Television classed as a personal possession?

No.  Televisions fall under the definition of contents and you should therefore make sure that your contents sum insured is sufficient to include them.

Do I need to provide proof of ownership for all of my possessions?

No. However, in the event of a claim you may be asked to provide evidence of value and ownership such as purchase receipts and instruction manuals. It is essential to provide such documentation for any valuables specified on the policy, such as jewellery, watches or works of art.

Is my garage covered?

Garages, sheds and outbuildings used for domestic purposes, that are on your land are covered under your buildings policy.

Is food in the fridge covered?

We will pay the costs of replacing food spoilt in your freezer or fridge due to a rise or fall intemperature as long as your appliance is not over 10 years old (limits of £250).

Home Insurance Customer Sales - 0800 051 0502

Home Insurance Customer Claims - 0870 024 0068

Home Emergency Claims Helpline - 0845 301 6245

24 hour Home Emergency Helpline - 0870 024 0071

24 hour Home Legal Advice Helpline - 0870 024 8877

Home Insurance Customer Complaints - 0870 024 0067

Calls are answered by UK Insurance Limited on behalf of Ulster Bank and may be recorded.