When you insure your home with us you can choose from two types of cover, basic insurance and total risk insurance.

Basic insurance

Basic insurance covers damage caused by fire, lightning, explosion, storm, burglary, theft, robbery, vandalism and leaking pipes.

Total risk insurance

Total risk insurance gives even wider insurance cover for all property damage caused by sudden and unexpected events such as breakages, damage to home electronics from voltage surges, property damage caused by a leaking roof and much more, as set out in the insurance conditions.

The main difference between total risk insurance and basic insurance is that basic insurance lists the cases that are covered by the insurance and total risk insurance lists the exemptions that are not covered by the insurance. Total risk insurance pays for all claims not listed in the exemptions, so its insurance cover is wider than that of basic insurance.

An example can show what the difference means in practice. A tree near a house falls down and destroys the roof and windows of the house.

1) Basic insurance will not cover the repairs to the house because the tree didn’t fall because of a storm, which is defined in the insurance conditions as a wind speed of at least 18 m/s;

2) Total risk insurance will cover the repairs to the house because it was a sudden and unexpected event that caused the damage to the insured house.

Additional insurance cover

To get even wider insurance cover, we recommend that you buy additional liability insurance that fully covers damage to third parties. For example, if you have a flood in your apartment and it causes damage to the interior of your downstairs neighbour’s apartment, then the additional G4S insurance will cover the damage suffered by your neighbour. Without this insurance, you yourself would have to pay for the damage that has been caused to your neighbour's property.

We also recommend that you get insurance for the rental costs of any temporary residence to cover the rental costs of alternative accommodation for 12 months after an incident. For example, if the damage caused by flooding makes it impossible for you to live in your apartment while repairs are carried out, then your G4S insurance can cover the cost of renting temporary accommodation for up to 12 months.