Person lying on a couch holding a baby dressed in white, with another person sitting nearby.

Home & Contents Insurance

Comprehensive cover with peace of mind

We have partnered with Bspoke Underwriting Ltd on behalf of SiriusPoint International Insurance Corporation to provide comprehensive home and contents cover. Bspoke have over 300 years of insurance expertise and with their new Home Insurance product, you can choose cover to suit your needs.

Bspoke Underwriting logo in bold black text on a white background.

Key Benefits

  • 24-Hour UK based claims helpline
  • No APR if you choose to spread your costs paying by monthly Direct Debit
  • No admin fees charged for making changes or cancelling your policy
  • Fast claims settlement - Bspoke aims to settle low value claims on your first call

 

Why Choose Bspoke Home & Contents Insurance?

 

Flexibility

Anyone with a home can benefit from Bspoke's flexible Home Insurance. You don't have to have a mortgage with us. You may even be in rented accommodation and just need to protect your belongings. There are two levels of cover which may be offered to you depending on your needs. Check if our Standard or Premier cover best reflects what you require and which extra options you may need.

Step 1:

Choose the cover that meets your needs: Buildings, Contents, or both.

Step 2:

Choose from multiple options to provide you with extra cover where you feel you need it:​

  • Accidental damage cover

  • Personal belongings & money

  • Pedal cycles

  • Legal expenses

  • Garden cover

  • Home Emergency Assistance

Details of cover

Buildings and contents

Core cover for the physical fabric and your moveable belongings such as carpets and sofas

 
Standard 

£500,000 Buildings
£50,000* Contents

 
Premier

£500,000 Buildings
£75,000* Contents

Buildings

Covers walls and roofs, as well as permanent fixtures and fittings like kitchens and bathrooms

 
Standard 

£500,000

 
Premier

£500,000

Contents

Covers a wide variety of items in your home from furniture through to white goods such as fridges and dishwashers.

 
Standard 

£50,000*

 
Premier

£75,000*

Personal belongings

Covers you for the items you take out of the home with you.

 
Standard

Optional - £3,000** or more if you need it

 
Premier

Optional - £5,000** or more if you need it

Accidental damage

With our Accidental Damage cover, mishaps such as drilling through a pipe or spilling wine on your carpet don’t have to spoil your day

 
Standard

Optional

 
Premier

Included

Garden Cover

Not just your trees and plants, but your garden furniture and gardening equipment too

 
Standard

£2,000

 
Premier

£5,000

Home Emergency Assistance

We’ll arrange for an authorised tradesperson to fix certain emergencies and prevent further damage

 
Standard

Optional - Up to £1,000 call out, labour and parts

 
Premier

Optional - Up to £1,000 call out, labour and parts

Legal Expenses

Cover for personal injury, consumer, residential, employment and tax related legal issues.

 
Standard

Optional - £50,000

 
Premier

Optional - £50,000

Pedal Cycle

Covers up to six cycles both home and away

 
Standard

Optional - Pedal cycles over £1,500 need to be specified

 
Premier

Optional - Pedal cycles over £1,500 need to be specified

*Inner limits apply including single item limit and total limit for high risk items.

**Inner limits apply

 

Changing your cover

If your needs have changed, it is quick and easy to change your cover. You can do this at any time and will not be charged a fee for making any amends.

Please note: there are exclusions with all home insurance policies.

Vernon Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (registration number 195475). You can check this on the Financial Services Register.

Vernon Building Society Home Insurance is administered by Hood Group Ltd (no. 3139744). Registered in England and Wales at 2nd Floor Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB. Authorised and regulated by the Financial Conduct Authority. Reference no. 616402.

3 easy ways to apply

Apply online

GET A QUOTE ONLINE

Head to Bspoke's online portal for a quick online quote on your home and contents insurance.

GET QUOTE
Apply in branch

APPLY IN BRANCH

Arrange to meet an expert Mortgage Adviser in one of our six branches.

BRANCH FINDER
Apply by phone

Got a question? Give us a call

0161 429 6262

MONDAY - FRIDAY

08:45 - 17:00