Standard Cover

Our Standard Policy is for renovators who require cover for restricted perils. 

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Our Standard insurance policy provides basic cover for the existing building and contract works for the following:

  • Fire

  • Lightning

  • Explosion

  • Earthquake

  • Aircraft and other flying objects or anything dropped from them. 


This type of cover is often referred to as ‘FLEA’ cover.

As with all of our policies, it includes £2,000,000 Public Liability cover as standard.

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Below is a summary of the perils covered under the Standard policy in terms of the building (including the existing structure and contract works). We have also detailed those perils excluded under the policy for your information. For full details of the cover provided including Conditions, Warranties, and Exclusions please refer to the Standard Policy Wording

Perils covered

  • Fire
  • Lightning
  • Explosion
  • Earthquake
  • Aircraft
Perils not covered
  • Storm
  • Flood
  • Escape of water
  • Imoact
  • Malicious Intent
  • Riot & Civil Commotion
  • Theft & Attempted Theft
  • Accidental Damage
  • Subsidence

Not the level of cover you need?

Perhaps our Premier or Premier Plus policy will better suit your project.

Find out more
Premier Cover

Our Premier Policy provides a ‘wider perils’ solution and is designed for renovators who are carrying out small to medium sized projects.

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Premier Plus Cover

Our Premier Plus Policy provides 'All Risks' insurance cover for larger more complex renovation projects.