flex, flex plus or max
find your perfect
flex, flex plus or max
you choose.
We know your home and its contents are unique to you.
That's why we're breaking away from one-size-fits-all solutions and giving you the option to cover and pay for only what you need.
flex
Insure your buildings, contents, or both
Only pay for what you need. Tailor your cover with flexible add-ons
Cover phones, bikes and other contents away from home
flex plus
More protection for your buildings and contents
Same flexibility to tailor your cover with popular add-ons
A smarter step up with more built-in
max
Our best, most comprehensive cover
Everything from flex, plus premium features
All add-ons included
hello this is flex
Get cover for all the essentials and add some extras. You can flex up or down, and only pay for what you need.
Selectable buildings cover
Selectable contents cover
Optional accidental damage cover
Alternative accomodation up to £30k
Unspecified high-risk items in the home up to £5k
Optional home emergency cover up to £1,000
Add-ons
Customise your policy with add-ons like home emergency, legal protection, and personal belongings away from home cover.
Choose limited or full accidental damage cover for both buildings and contents.
hello this is flex plus
Get cover for all the essentials and add some extras. You can flex up or down, and only pay for what you need.
Buildings cover up to £1 million
Contents cover up to £100k
Optional accidental damage cover
Alternative accomodation up to £100k
Unspecified high-risk items in the home up to £10k
Optional home emergency cover up to £1,000
Add-ons
Customise your policy with add-ons like home emergency, legal protection, and personal belongings away from home cover.
Choose limited or full accidental damage cover for both buildings and contents.
rest insured with max
You don't have to add any extras – because we've already done so.
Buildings cover up to £1 million
Contents cover up to £100k
New for old mobile phone when lost or damaged
Full accidental damage included
Home emergency up to £1,000
Cover for matching items in a set up to £10k
flex, flex plus and max side by side
flex
flex plus
max
Buildings cover
Buildings sum insured
This is the amount insured under your buildings insurance policy.
Selectable
Up to £1,000,000
Up to £1,000,000
Building alternative accommodation
We cover the cost of alternative accommodation or rent while your house is unfit to live in
Up to £30,000
Up to £100,000
Up to £200,000
Tracing & accessing leaks
We cover the cost to trace the source of water or oil leak in your home.
Up to £1,000
Up to £5,000
Up to £10,000
Matching items
We cover undamaged items in a matching set such as whole suite, floor covering, wall tiles, or a fitted kitchen where all are within the same room.
Not available
Not available
Up to £10,000
Replacement locks and keys
We cover the cost of replacing your locks and keys if you loose your keys or if someone steals your keys.
Up to £300
Up to £500
Up to sum insured
Buildings accidental damage
This cover can be set to none, limited (sanitary fittings, fixed glass, hobs, solar panel) or full (all buildings).
Optional
Optional
Full cover
Buildings emergency access
We cover you in case emergency services damage your buildings.
Up to sum insured
Up to sum insured
Up to sum insured
Gardens emergency access
We cover you in case emergency services damage your gardens.
Not available
Up to £1,000
Up to £2,500
Sale of home
We cover the buyer of your house between contract exchange and sale completion dates.
Up to sum insured
Up to sum insured
Up to sum insured
Debris removal and professional fees
We cover the cost to clear debris and fees of architects, surveyors, and engineers needed to rebuild your home.
Up to sum insured
Up to sum insured
Up to sum insured
Property owner's liability
We cover for physical injury to any person or for accidental damage of loss of third party property.
Up to £2,000,000
Up to £2,000,000
Up to £2,000,000
Buildings repair guarantee period
When our approved network repairs a damage at your property, their work and parts are guaranteed for this period.
24 months
24 months
24 months
Buildings compulsory excess
Compulsory excess is set by us. Together with the voluntary excess (set by you), it makes the amount you need to pay when you make a claim.
£200
£200
£100
Unoccupancy period
If you or your family haven't lived in your property for longer than this period, we disapply some covers.
30 days
60 days
60 days
Contents cover
Contents sum insured
This is the amount insured under your contents insurance policy.
Selectable
Up to £100,000
Up to £100,000
Contents alternative accommodation
We cover the cost of alternative accommodation or rent while your house is unfit to live in.
Up to £10,000
Up to £15,000
Up to £25,000
Unspecified high-risk items in the home
We cover your high-risk items which are not required to be specified in the home.
Up to £5,000
Up to £10,000
Up to £20,000
High-risk single item limit
We cover your high-risk items and pedal cycles up to this limit unless you have specified them.
£350 for pedal cycles, £1,500 for other high-risk items
£350 for pedal cycles, £1,500 for other high-risk items
£350 for pedal cycles, £1,500 for other high-risk items
Matching items
We cover undamaged items in a matching set.
Not available
Not available
Up to £10,000
Home office equipment
We cover the loss or damage to your home office equipment.
Up to £500
Up to £3,000
Up to £5,000
Money in the home
We cover loss or damage of money in your home.
Up to £100
Up to £750
Up to £1,000
Outbuildings limit
We cover loss or damage (except from theft) to contents kept locked in your outbuildings.
Up to £2,500
Up to £5,000
Up to £7,500
Theft from outbuildings
We cover theft of contents from your outbuildings.
Up to £250
Up to £2,000
Up to £5,000
Contents in the garden
We cover loss or damage to contents in your garden.
Up to £250
Up to £1,500
Up to £2,500
Single plant limit
When we settle your claim, this is the maximum we would pay for a single plant in your garden.
Up to £100
Up to £250
Up to £500
Replacement locks and keys
We cover the cost of replacing your locks and keys if you loose your keys or if someone steals your keys.
Up to £300
Up to £500
Up to sum insured
Contents accidental damage
This cover can be set to none, limited (non-portable electronics, fixed glass in furniture and mirrors, ceramic hobs) or full (all contents).
Optional
Optional
Full cover
Freezer food
We cover for the replacement of damaged food in your freezer in certain circumstances.
Up to £250
Up to £500
Up to £1,000
Loss of water
In case of escape of water, we cover the cost of metered water lost.
Up to £500
Up to £1,000
Up to £2,000
Loss of oil
In case of escape of oil, we cover the cost of metered oil lost.
Up to £2,500
Up to £2,500
Up to £2,500
Contents emergency access
We cover you in case emergency services damage your contents.
Up to sum insured
Up to sum insured
Up to sum insured
Celebration cover
We increase your contents coverage by this amount around specific celebrations.
Up to £5,000
Up to £5,000
Up to £5,000
Domestic employee belongings
We cover loss or damage to contents belonging to your employees.
Not available
Up to £250
Up to £500
Temporary removal
We cover contents you move with you in a temporary accomodation for up to 90 days.
Up to £1,000
Up to £2,500
Up to £5,000
Student cover
We cover contents taken by a member of your family while studying in the UK.
Up to £1,000
Up to £2,500
Up to £5,000
House removal
We cover your contents while a professional removals company move them to your new home.
Up to sum insured
Up to sum insured
Up to sum insured
Deeds and documents
We cover loss or damage to your property deeds.
Not available
Up to £1,000
Up to £2,500
Downloaded data file
We cover loss or damage to your downloaded files.
Not available
Up to £1,000
Up to £2,500
Occupier's and personal liability
We cover liability to the public arising from you being the occupier of the home , and damage compensation claims made against you by a third party.
Up to £2,000,000
Up to £2,000,000
Up to £2,000,000
Tenant's liability
We cover damage to your landlord's fixtures, fittings and furniture.
Up to £2,500
Up to £5,000
Up to £10,000
Mobile phone settlement basis
If your mobile phone is lost or damaged, then we will replace it on this basis.
Refurbished
Refurbished
New for old
Contents compulsory excess
Compulsory excess is set by us. Together with the voluntary excess (set by you), it makes the amount you need to pay when you make a claim.
£200
£200
£100
Unoccupancy period
If you haven't lived in your property for longer than this period, we disapply some covers.
30 days
60 days
60 days
Personal belongings away from home
Unspecified personal belongings
Provides you with a level of protection to cater for all of the items you normally wear, use, or carry outside of the home at any one time, where each item is worth equal to or less than £1,500 each.
Optional
Optional
Optional
Personal belongings single item limit
We cover any personal belongings that you have not specified to cover away from home.
Up to £1,500
Up to £1,500
Up to £1,500
Money away from home
We cover money you carry with you outside home, if you have selected personal belongings away from home cover.
Up to £250
Up to £250
Up to £500
Theft from unattended vehicle
We cover in case of theft or attempted theft from an unattended vehicle, if you have specified high-risk items or selected personal belongings away from home cover.
Up to £1,500
Up to £1,500
Up to £2,500
Home emergency
Have the peace of mind that the cost to fix some home emergencies is covered.
Optional
Optional
Up to £1,000
Legal expenses
We'll cover a legal adviser's cost to help you pursue or defend a claim in a wide range of situations.
Optional
Optional
Up to £50,000
flex
flex plus
max
Buildings cover
Buildings sum insured
This is the amount insured under your buildings insurance policy.
Selectable
Up to £1,000,000
Up to £1,000,000
Building alternative accommodation
We cover the cost of alternative accommodation or rent while your house is unfit to live in
Up to £30,000
Up to £100,000
Up to £200,000
Tracing & accessing leaks
We cover the cost to trace the source of water or oil leak in your home.
Up to £1,000
Up to £5,000
Up to £10,000
Matching items
We cover undamaged items in a matching set such as whole suite, floor covering, wall tiles, or a fitted kitchen where all are within the same room.
Not available
Not available
Up to £10,000
Replacement locks and keys
We cover the cost of replacing your locks and keys if you loose your keys or if someone steals your keys.
Up to £300
Up to £500
Up to sum insured
Buildings accidental damage
This cover can be set to none, limited (sanitary fittings, fixed glass, hobs, solar panel) or full (all buildings).
Optional
Optional
Full cover
Buildings emergency access
We cover you in case emergency services damage your buildings.
Up to sum insured
Up to sum insured
Up to sum insured
Gardens emergency access
We cover you in case emergency services damage your gardens.
Not available
Up to £1,000
Up to £2,500
Sale of home
We cover the buyer of your house between contract exchange and sale completion dates.
Up to sum insured
Up to sum insured
Up to sum insured
Debris removal and professional fees
We cover the cost to clear debris and fees of architects, surveyors, and engineers needed to rebuild your home.
Up to sum insured
Up to sum insured
Up to sum insured
Property owner's liability
We cover for physical injury to any person or for accidental damage of loss of third party property.
Up to £2,000,000
Up to £2,000,000
Up to £2,000,000
Buildings repair guarantee period
When our approved network repairs a damage at your property, their work and parts are guaranteed for this period.
24 months
24 months
24 months
Buildings compulsory excess
Compulsory excess is set by us. Together with the voluntary excess (set by you), it makes the amount you need to pay when you make a claim.
£200
£200
£100
Unoccupancy period
If you or your family haven't lived in your property for longer than this period, we disapply some covers.
30 days
60 days
60 days
Contents cover
Contents sum insured
This is the amount insured under your contents insurance policy.
Selectable
Up to £100,000
Up to £100,000
Contents alternative accommodation
We cover the cost of alternative accommodation or rent while your house is unfit to live in.
Up to £10,000
Up to £15,000
Up to £25,000
Unspecified high-risk items in the home
We cover your high-risk items which are not required to be specified in the home.
Up to £5,000
Up to £10,000
Up to £20,000
High-risk single item limit
We cover your high-risk items and pedal cycles up to this limit unless you have specified them.
£350 for pedal cycles, £1,500 for other high-risk items
£350 for pedal cycles, £1,500 for other high-risk items
£350 for pedal cycles, £1,500 for other high-risk items
Matching items
We cover undamaged items in a matching set.
Not available
Not available
Up to £10,000
Home office equipment
We cover the loss or damage to your home office equipment.
Up to £500
Up to £3,000
Up to £5,000
Money in the home
We cover loss or damage of money in your home.
Up to £100
Up to £750
Up to £1,000
Outbuildings limit
We cover loss or damage (except from theft) to contents kept locked in your outbuildings.
Up to £2,500
Up to £5,000
Up to £7,500
Theft from outbuildings
We cover theft of contents from your outbuildings.
Up to £250
Up to £2,000
Up to £5,000
Contents in the garden
We cover loss or damage to contents in your garden.
Up to £250
Up to £1,500
Up to £2,500
Single plant limit
When we settle your claim, this is the maximum we would pay for a single plant in your garden.
Up to £100
Up to £250
Up to £500
Replacement locks and keys
We cover the cost of replacing your locks and keys if you loose your keys or if someone steals your keys.
Up to £300
Up to £500
Up to sum insured
Contents accidental damage
This cover can be set to none, limited (non-portable electronics, fixed glass in furniture and mirrors, ceramic hobs) or full (all contents).
Optional
Optional
Full cover
Freezer food
We cover for the replacement of damaged food in your freezer in certain circumstances.
Up to £250
Up to £500
Up to £1,000
Loss of water
In case of escape of water, we cover the cost of metered water lost.
Up to £500
Up to £1,000
Up to £2,000
Loss of oil
In case of escape of oil, we cover the cost of metered oil lost.
Up to £2,500
Up to £2,500
Up to £2,500
Contents emergency access
We cover you in case emergency services damage your contents.
Up to sum insured
Up to sum insured
Up to sum insured
Celebration cover
We increase your contents coverage by this amount around specific celebrations.
Up to £5,000
Up to £5,000
Up to £5,000
Domestic employee belongings
We cover loss or damage to contents belonging to your employees.
Not available
Up to £250
Up to £500
Temporary removal
We cover contents you move with you in a temporary accomodation for up to 90 days.
Up to £1,000
Up to £2,500
Up to £5,000
Student cover
We cover contents taken by a member of your family while studying in the UK.
Up to £1,000
Up to £2,500
Up to £5,000
House removal
We cover your contents while a professional removals company move them to your new home.
Up to sum insured
Up to sum insured
Up to sum insured
Deeds and documents
We cover loss or damage to your property deeds.
Not available
Up to £1,000
Up to £2,500
Downloaded data file
We cover loss or damage to your downloaded files.
Not available
Up to £1,000
Up to £2,500
Occupier's and personal liability
We cover liability to the public arising from you being the occupier of the home , and damage compensation claims made against you by a third party.
Up to £2,000,000
Up to £2,000,000
Up to £2,000,000
Tenant's liability
We cover damage to your landlord's fixtures, fittings and furniture.
Up to £2,500
Up to £5,000
Up to £10,000
Mobile phone settlement basis
If your mobile phone is lost or damaged, then we will replace it on this basis.
Refurbished
Refurbished
New for old
Contents compulsory excess
Compulsory excess is set by us. Together with the voluntary excess (set by you), it makes the amount you need to pay when you make a claim.
£200
£200
£100
Unoccupancy period
If you haven't lived in your property for longer than this period, we disapply some covers.
30 days
60 days
60 days
Personal belongings away from home
Unspecified personal belongings
Provides you with a level of protection to cater for all of the items you normally wear, use, or carry outside of the home at any one time, where each item is worth equal to or less than £1,500 each.
Optional
Optional
Optional
Personal belongings single item limit
We cover any personal belongings that you have not specified to cover away from home.
Up to £1,500
Up to £1,500
Up to £1,500
Money away from home
We cover money you carry with you outside home, if you have selected personal belongings away from home cover.
Up to £250
Up to £250
Up to £500
Theft from unattended vehicle
We cover in case of theft or attempted theft from an unattended vehicle, if you have specified high-risk items or selected personal belongings away from home cover.
Up to £1,500
Up to £1,500
Up to £2,500
Home emergency
Have the peace of mind that the cost to fix some home emergencies is covered.
Optional
Optional
Up to £1,000
Legal expenses
We'll cover a legal adviser's cost to help you pursue or defend a claim in a wide range of situations.
Optional
Optional
Up to £50,000
Home insurance
Customer portal
umbrl is a trading name of Umbrl Limited, registered company number 15284650 and is an Appointed Representative of Movo Partnership Ltd. Umbrl Limited is included in the Financial Services Authority register (firm reference number 1014619). Movo Partnership Ltd is authorised and regulated by the Financial Conduct Authority under the reference number 823503.