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01823 250580

Home Insurance

Protecting you, your home and your possessions with Home insurance for BMA members. 

-  High levels of cover for added reassurance
-  Preferential BMA member rates
-  Full accidental damage and contents covered on a worldwide basis 

Lloyd & Whyte's home insurance is designed to offer members three things: quality cover, great claims service, and in most cases, lower premiums.

The quality of cover is aligned with the specific needs of BMA members. This is backed up by Ageas' award winning claims service and our in-house support, so you know you're in safe hands. And finally, because Doctors are considered a lower risk most members save money too.

Cover includes:

Contents

- £100,000 as standard (can be increased if required)
- High risk items up to £25,000 (£5,000 single item limit before the need to
  specify)
- Money up to £10,000
- Credit cards up to £5,000
- Belongings of children at university up to £5,000
- Belongings of parents in nursing/care homes up to £1,000 per parent
- Contents in the open up to £5,000 eg garden or driveway

Buildings

- £500,000 as standard (can be increased if required)
- Accidental damage, break in or vandalism
- Fire, flood, storm and subsidence
- Property owners' liability up to £5,000,000
- Alternative accommodation up to 24 months

Family Legal & Emergency Care

- Legal expenses, including disputes relating to property, employment,
  contract, tax and personal injury up to £75,000
- Identity theft protection and resolution up to £75,000
- Emergency repairs to your home up to £500 per incident

Excesses

- Low standard excess of £50 (can be increased if required)
- Subsidence excess £1,000

Significant Exclusions 

- Theft or attempted theft by you or any member of your family, domestic
  employees, lodgers, paying guests or tenants
- Theft, attempted theft, loss or damage if your property is unoccupied for 
  more than 60 consecutive days
- Loss or damage that has been happening gradually over a period of time

Additional Policy Types

- Higher value homes
- Holiday Homes/Let Properties 

Contact us today and discover the benefits of Lloyd & Whyte.

Tel: 01823 250580

Email: bma@lloydwhyte.com