Buildings Insurance

Most insurance policies have not been designed to respond to the specific needs of the Armed Forces but together with Royal & Sun Alliance Insurance plc, PAX Insurance offers a buildings policy designed specifically for today's service personnel.

• 10% discount if you have served in HM Forces for over 5 years
• Accidental damage cover is available, even for properties which are let or temporarily unoccupied
• The policy is acceptable to all leading building societies and mortgage lenders
• Bank or building society fee for switching insurance to PAX paid up to a maximum £25
• Special terms arranged in respect of unoccupancy as a result of operational deployment or homes temporarily unoccupied between letting.
• Free 24 hour domestic assistance helpline (UK only)
• Optional Legal Expenses cover arranged by Royal & Sun Alliance Insurance plc and underwritten by FirstAssist Insurance Services Ltd. This provides cover up to £40,000 for you and your family to defend or pursue your legal rights for disputes in relation to:

- Personal injury

- Personal goods

- Consumer protection

- Residential

- Employment

- Tax

- Jury service

Call free phone 0800 212 480 if you have any queries or require an immediate quotation. Alternatively, click here to apply online or email your name and phone number to paxinsurance@ars.aon.co.uk and we will call you back.

This is a summary of the cover provided by PAX Buildings Insurance. The policy wording, which details the full Terms of Business, conditions and exclusions, is available on request. Buildings insurance covers your privately owned home, its permanent fixtures and fittings and interior decorations, outbuildings, paths, drives, ponds, tennis courts, swimming pools, walls, gates, fences, hedges and garages against many perils, including:

• Fire, Smoke,Explosion, Lightning, Earthquake
• Storm or Flood
• Snow / Weight of Snow
• Collision / Impact by Aircraft, Other Vehicles or Animals
• Escape of Water or Oil From Fixed Installations
• Theft or Attempted Theft
• Riot, Vandalism or Malicious Act
• Subsidence, Ground Heave or Landslip
• Falling Trees, Branches, Telegraph poles, Pylons or Lamp posts
• Accidental Breakage of Fixed Glass, Solar Panels, Sanitary Ware and Ceramic Hobs
• Accidental Damage to Underground Services
• Costs of Temporary Accommodation and Loss of Rent
• Up to £750 for increased metered water charges following the escape of water.
• Up to £1,000,000 for your legal liability as a home owner

Optional additional cover

• Legal Expenses
• Accidental damage (for types of accidental damage not normally included)

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Helplines

In addition to the insurance cover provided by this policy, PAX Insurance has arranged the following helpline services, available 24 hours a day:

• Domestic assistance service (UK only)
• Personal and legal tax advice (only available with Legal Expenses cover)

Additional Information

• Premium discounts are available if you wish to increase the standard policy excess

- The excess for buildings insurance other than Legal Expenses is £50 and £1000 for subsidence, landslip and heave unless stated otherwise

• A PAX Buildings Insurance policy wording is available upon request

Let Property Legal Expenses insurance

PAX Insurance together with DAS Legal Expenses Insurance Company Limited offers a policy that provides legal advice and assistance if you have to let out your home and have a dispute with your tenants over rent arrears or repossession of the property, or if your property gets damaged. This insurance also includes two 24 hour Helpline services. For an information pack please call us on 0800 212480 (+44 (0) 1737 503153 outside the UK), alternatively, click here to apply online or email your request to paxinsurance@ars.aon.co.uk.

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