For Buildings and Contents insurance, this is what you agree to:
You...
Are a UK resident over the age of 18
Own your home (either outright or with a mortgage)
Have no outstanding claims with another insurance provider
Have not made two or more claims in the last five years
Your home...
Is built out of bricks or stone
Is roofed with tiles, slate, concrete or asphalt
Is not a listed building
Has no more than six bedrooms
Is not left unoccupied for more than 60 days a year
Is not a weekend, holiday or second home
Is not currently undergoing major refurbishments, conversions, extensions, or other structural works
Is not sub-let to anyone
Is in a general good state of repair and has no structural issues, such as subsidence etc.
You have...
No more than £20k worth of valuables (art, jewellery, etc)
No single items individually worth more than £10k. If you do, that’s fine, but this policy won’t cover them
Nobody living at your property has...
Received a conviction for any offence (except driving offences)
Had any insurance cancelled, refused or voided
Been declared bankrupt
You understand...
That Locket is a monthly or annual insurance product, which will continue to renew unless cancelled by you or us
That Locket does not cover any pre-existing loss or damage that happened before the start of your policy
That if in the future you remove a device from your home that gives you a discount, your monthly price will go up
That Locket is digital-first and won’t send policy documents via post unless you ask for them
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