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Buildings and Armed Forces contents insurance that covers every aspect of your requirements can be difficult to find. Home insurance, also known as household insurance comprise three main types of policies: buildings insurance, home contents insurance and combined buildings and home contents insurance. Building Insurance protects you against damage to the structure of your home together with its fixtures and fittings, while home contents is there to guard against damage or loss to belonging you keep in or around the house. A useful way to decide which belongings should be covered by buildings insurance is to think of what you would leave behind if you were to move house. Most of these insurance policies have not been designed to respond to the specific needs of the Armed Forces. Together with PAX Insurance, Valo Limited offers a buildings insurance designed specifically for service personnel and their families. - 10% discount if you have served in HM Forces for more than 3 years
- Accidental damage cover is available, even for properties that are let or temporarily unoccupied
- The policy is accepted by all leading building societies and mortgage lenders
- Bank or building society fee for switching insurance to PAX paid up to a maximum of £25
- Special terms arranged in respect of unoccupancy as a result of an operational deployment or homes temporality unoccupied between lettings
- Free 24 hour domestic assistance helpline (UK only)
- Optional Legal Expenses cover for up to £40,000 for you and your family to defend or pursue your legal rights in relation to:
- Personal injury
- Personal goods
- Consumer protection
- Residential
- Employment
- Tax
- Jury service
To arrange cover please contact your local PAX represenative via our online form. The policy wording, with full Terms of Business, conditions and exclusions, is available on request. Buildings and armed forces contents 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, lightening, earthquake, storm, flood and snow (or weight of snow)
- Collision/Impact by aircraft, other vehicles or animals
- Escape of water or oil form 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)
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)
- Premium discounts are available if you wish to increase the standard policy excess
- The excess for each section of the policy other than legal expenses is £50 and £1000 for subsidence, landslip or heave unless stated otherwise
- A PAX Buildings Insurance policy wording is available upon request
Valo Limited together with PAX and Armed Forces contents and buildings insurance offers a policy that provides legal advice and assistance if you have 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 contact your local PAX representative.
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