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Having provided financial services to London for more than three hundred years, Barclays has built itself up to become one of the most trusted names in UK finance.
In addition to their banking services, Barclays also offers a range of insurance options, including car, travel, life, and home insurance.
All of Barclays home insurance policies are underwritten by Gresham Insurance Company Limited.
Barclays offers three types of home insurance:
Unlike some insurance providers who will offer these insurance types over a level of tiers (e.g., bronze, silver, gold etc.), Barclays only offers one level of comprehensive cover, helping simplify the process.
The table below highlights the basics of what is covered by their buildings and contents cover policies.
Policy | Policy Type | Buildings maximum sum insured | Contents maximum sum insured |
Barclays Home Insurance | Buildings | Unlimited | N/A |
Barclays Home Insurance | Contents | N/A | £150,000 |
Buildings cover with Barclays is designed to protect your home should it become damaged in an extreme weather event, fire, or subsidence.
Not only do Barclays provide unlimited rebuild and repair costs to your home, but their buildings cover also extends to that of permanent fixtures, outbuildings, boundary walls, drives, paths, pools and gates.
Cover | Barclays Home Insurance (Buildings) |
Rebuilding or repairing of your home as a result of fire, storm, flood, subsidence, or other damage. | Unlimited |
Matching Items to replace a damaged part of a set ,such as bathroom tiles. | Up to £10,000 |
Alternative accommodation if you’re unable to live in your home after a flood, fire, or other emergency | Up to £100,000 |
Contents insurance is designed to cover the items in your home. This includes personal belongings you could take with you if you moved home – such as furniture, clothing, electronics, carpets and curtains.
Barclays contents cover includes:
Cover | Barclays Home Insurance (Contents) |
Cover for possessions in your home and your garden | Unlimited |
Matching items to replace a damaged part of a set, such as a sofa or dinner set | Unlimited |
Valuable items | Up t £20,000 |
In addition to their optional extras for buildings cover, Barclays also offers add-ons for their contents and combined buildings and contents policies.
Provides cover for accidents that befall your home such as broken windows, cracked basins, and damaged pipes.
Provides worldwide cover for the belongings you wear or take with you – such as jewellery, clothes, books, bags, money, and watches – against loss, theft, or damage.
Specific cover to protect your gadgets – mobile phones, laptops, tablets, and other portable electronic devices. This cover also extends to any family members living with you permanently.
Covers your bike in case of loss or theft. Also includes added personal liability insurance. So, if you have an accident, Barclays will pay up to £5 million to cover your legal liabilities if you have to pay damages or claimant’s costs and expenses for: accidental bodily injury or illness, disease, death, or accidental damage to someone’s property.
Provides specific cover for loss, theft, or damage of any equipment and clothing you use solely for sporting activities, with unspecified single item cover up to £1,000.
Provides up to £1,000 for call outs, parts and labour from a professional serviceman on Barclays panel when an emergency happens in your home, including: loss of essential services like mains, water, electricity, and gas, Sudden damage to your roof, plumbing problems, and removal of pest infestations (e.g. mice, wasps).
Allows two claims within five years without affecting your no-claim discount. Your premium also won’t be affected as a direct result of making a claim.
If you do need to make a claim through your home insurance, you’ll need to pay out a minimum fee, known as an excess. Excess is usually split into compulsory excess and voluntary excess.
Compulsory excess is set by your home insurer your home insurer and is a fixed amount that you must pay towards any claim. This amount is non-negotiable and will depend on the type of policy that you have and the insurer’s terms and conditions.
Barclays do have a compulsory excess on certain claims, but these are only revealed on your policy schedule. So, you’ll need to run a quote with them first to find out exactly how much you’ll need to pay in excesses.
To further protect your no claims discount, some insurers also offer what is known as protected no claims discount, or no claim bonus protection. This means that you pay a fee to keep your no-claims discount intact in the event you need to make a claim.
Barclays offers a no-claims discount as standard, as well as an option to protect this discount for an additional fee under optional extras.
Barclay’s home insurance was last rated by Defaqto in 2022, with a five-star rating being given for their buildings, contents, and combined buildings and contents insurance policies.
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