You Choose Home Insurance
Take a look at some of the features of our product
- Tailored product to suit your needs - only pay for the cover you need
- A flexible and modern product - you can even protect your music downloads
- No claims discount available
- Interest free on your direct debit payments - no hidden fees
- No fees for mid-term adjustments or cancellations of your You Choose policy
- Dedicated UK based Call Centre
- A dedicated claims team to deal with your claim all the way through to settlement
- Exclusions and limitations apply
Call 0345 672 2795 for a CLAIM
Lines open:
Mon - Fri 8am-8pm
Saturday 9am-1pm
How does You Choose work?
With You Choose Home Insurance you are more in control of how much cover you take and, consequently, how much you pay for it.
For too long home insurance has been sold as a standard package', not designed to take into account people's differing needs and lifestyles. For example, many home insurance policies include cover for gardens which is all well and good if you live in a house with a garden. But what if you live in a flat? Why should you pay for cover for something you don't even have?
That's where You Choose Home Insurance comes in.
1. Core Cover
With You Choose Home Insurance, the first step is to decide on the type of Core Cover you need.
There's a choice of three cover options:
- Core Buildings only
- Core Contents only
- Combined Core Building & Contents
2. Extra Cover Options
Once you've decided on the Core Cover, add your choice of Extra Cover Options. There are a number of these, depending on your needs. You may find that not all of the Extra Cover Options will suit your circumstances. You can design your policy around you and your family's lifestyle.
The Extra Cover options are:
- Technology and Entertainment
- Personal Items
- Garden
- Accidental Damage
- Home Emergency
- Legal Expenses
Note: Exclusions and limitations will apply to all Extra Cover Options you take. You can get full details about what's covered and what's not, including any limits that apply, when you get a quote.
As an intermediary, we act on your behalf in arranging your insurance. Your Home Insurance will be administered and underwritten by Royal & Sun Alliance Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Core cover
You've got 3 options open to you:
- Core Buildings Only
- The Core Buildings Only option provides £400,000 worth of cover as standard.
- It covers the structure of your home and would pay out to repair or rebuild your home if damaged, for example, by a fire, flood or falling tree.
- Core Contents Only
- The Core Contents Only option provides £50,000 of cover as standard.
- It protects the things you own in your home. For example, if you were burgled and items were taken or you suffered a fire in your home, your Core Contents insurance would pay out to help replace your lost or damaged contents.
- It covers items such as furniture, carpets, curtains and free-standing white goods for example, fridges, cookers and dishwashers.
Note: Core Contents cover does not cover items that are included in the Extra Cover Options for example, jewellery (personal items) or televisions (technology & entertainment).
- Core Buildings & Contents Cover
This Core option combines all elements of Core Buildings Only and Core Contents Only.
There's more cover than you might expect
Depending on the Core Cover Option you choose, these benefits are included at no extra cost:
- 'New for old' cover on items that are stolen or damaged.
- Cover for replacement locks and keys if stolen, lost or damaged.
- Contents cover automatically increases by £3,000 for items purchased for religious festivals, such as Christmas presents.
- Increase in cover for wedding gifts when you get married.
- Financial help if your home cannot be lived in, for example after a fire or flood.
Please note: limitations and exclusions apply to our home insurance policies. Further details are available when you get a quote.
As an intermediary, we act on your behalf in arranging your insurance. Your Home Insurance will be administered and underwritten by Royal & Sun Alliance Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Extra cover options
Technology and Entertainment
Available with:
- Core Buildings & Contents
- Core Contents only
Covers:
Technology and entertainment items in your home such as televisions, DVD players, satellite and digital receivers, music players, laptops, desktop computers, mobile phones, CDs, DVDs, game consoles and much more.
Benefits:
- The standard level of cover offered by this option is £500 and this can be increased up to £15,000 to reflect your needs.
- Items included in this option are automatically covered for accidental damage.
- Portable items are automatically covered if taken outside the home.
Personal Items
Available with:
- Core Buildings & Contents
- Core Contents only
Covers:
Items such as jewellery, watches, medals, money, credit cards, sports equipment, pedal cycles, camping equipment and wheelchairs/electric scooters for the infirm or disabled.
Benefits:
The standard level of cover offered by this option is £500 and this can be increased up to £25,000 to reflect your needs.
Garden
Available with:
- Core Buildings & Contents
- Core Contents only
Covers:
Items such as trees, shrubs, plants, hedges, lawns, gardening equipment and garden furniture.
Benefits:
- The standard level of cover offered by this option is £500 and this can be increased up to £10,000 to reflect your needs.
- It also covers items that are left in the garden, such as patio heaters or children's outdoor toys.
Accidental Damage
Available with:
- Core Buildings & Contents
- Core Buildings only
- Core Contents only
Covers:
Accidental damage to either your building, or its contents, or both.
Benefits:
Ideal for families with young children, DIY enthusiasts or anyone looking for extra peace of mind.
Home Emergency Assistance
Available with:
- Core Buildings & Contents
- Core Buildings only
- Core Contents only
Covers:
The cost of emergencies such as failure of the electricity supply, repairs to the plumbing or drainage system or the removal of vermin. It also helps with the cost of accommodation if you're unable to live in your home.
Benefits:
- Up to £500 of cover per claim as standard
- Provides a rapid response from specialist approved tradesmen, 24 hours a day, 7 days a week
- All work carried out is fully guaranteed.
As you’d expect, Home Emergency Cover doesn’t protect you from all eventualities. Ask a member of the team at your local branch for further details.
Legal Expenses
Available with:
- Core Buildings & Contents
- Core Buildings only
- Core Contents only
Covers:
The costs of taking or defending legal action for
- Personal injury proceedings against another person or organisation as a result of an event which causes your injury, or death
- Consumer protection in relation to the sale or purchase of goods
- Residential in relation to your home
- Employment in relation to your employment or employer
- Tax a representative acting for you in a full enquiry by the Inland Revenue into your income and records.
Benefits:
Up to £50,000 of cover as standard.
Note: exclusions and limitations will apply to all Extra Cover Options you take. Further details are available when you get a quote.
As an intermediary, we act on your behalf in arranging your insurance. Your Home Insurance will be administered and underwritten by Royal & Sun Alliance Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
How to apply
Anyone with a home, whether owned or rented, can apply for You Choose Home Insurance. And remember, you don't have to have a mortgage with us to benefit from this cover.
See if you could benefit from lower premiums by switching your home insurance to us today.
How to Get a Quote and Apply
Getting a no-obligation quote and applying is easy:
- Visit your local branch
Talk to an adviser who will help you to decide what level of cover is right for you and provide a no-obligation quote. - Call us here in the UK on 0345 166 9240
- Get a quote online here and retrieve the quote later by logging in here
Step 1: Details of your claim
If you have taken your Home Insurance through us, then you can register your claim by contacting RSA on 0345 0727147. When you call, the claims handler will verify your details and ask for details of your claim. The more details you can provide during the first call, the quicker the claims process will be.
We may ask for receipts for your contents especially for valuable items, receipts will speed up the process of settling the claim.
Step 2: Putting things right
Contents claim
If you are claiming for accidental damage, the claims handler will decide if the item could be a possible repair. They may allocate a supplier to inspect the item to help make this decision.
If the item cannot be repaired the claims handler will value your replacement on a like for like, new for old basis. We don’t make any deductions based on wear or tear. A supplier may also be allocated to value and replace the item.
They’ll give you the option of a replacement or a cash settlement. They might also ask for receipts and photos of the accident before settling. If we do pay cash the amount we pay will reflect any discounts we may have received had we replaced the property.
Buildings claim
If you’re claiming for damage to your buildings, the claims handler may send a surveyor to your home to value the work that needs to be done. You will then get the option to appoint your own builder to carry out this work or we can appoint one for you.
If you’re claiming for a large loss such as a flood, escape of water (for example a burst pipe), fire or subsidence, the claims handler will send a personal claim specialist to your home to survey the damage caused.
The loss assessor will then contact the correct tradesperson and suppliers to repair the damage and manage the process for you.
Step 3: Settling your claim
If you take a cash settlement, this will be paid directly into your account where we take your direct debit from or we can also issue a cheque. If your items are being replaced, the claim will be closed once you have received them.
If a personal claims specialist has been appointed, your claim will be closed once you accept a cash settlement paid directly into your account, or all works are complete and replacement items provided.
If any excess is due this will be requested before settlement of your claim.
We also use a number of number of well known retailers around the UK so you could receive a gift card with the settlement amount applied.
Please ensure you have a valuation of 3years or less for any valuables/jewellery over £5,000.
Home Emergency
Our trained advisors will provide immediate advice on how to minimize the impact of the emergency. They provide a specialist approved tradesmen, 24hours a day, 7 days a week. All work carried out is fully guaranteed.
Home Emergency assistance gives you £500 of cover and this usually assists in the following:
- Failure of the electricity supply
- Repairs to the plumbing or drainage system
- Removal of vermin
- Securing a property when windows and/or doors have been damaged
- It also helps with the cost of accommodation if you're unable to live in your home
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You Choose Home Insurance
One size doesn't always fit all, so only pay for the cover you need.
Protection insurance
Cover yourself from the unexpected events in life.
Chelsea Building Society and the Chelsea are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in theFinancial Services Register and its registration number is 106085. Principal Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ.
References to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, the trading names under which it operates (Barnsley Building Society, the Barnsley, Chelsea Building Society, the Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies.
Buy to Let mortgages are not regulated by the Financial Conduct Authority
This site is intended for UK Residents unless otherwise stated. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.
*Charges to 0845 numbers may vary. Prices can be checked with your phone provider. Mobile calls usually cost more. Calls to 0800 numbers from landline phones are free. Mobile providers however may charge. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.
Get in touch with us:
- Call us:
http://www.thechelsea.co.uk/contact/index.html - Find a branch:
http://www.thechelsea.co.uk/contact/branch_finder.html - Manage your accounts online:
http://www.thechelsea.co.uk/security/online_help.html