Overview
Current offers
With 30% off if you have 5 years claim free you could also receive
- Up to an extra 15% Nectar discount for BACB Necter card holders when purchasing a new home insurance policy.
- Double Nectar points on BACB shopping and fuel for 2 years* when purchasing new combined buildings and contents Premier Cover Home Insurance
Where multiple discounts apply, each discount is applied consecutively to the reduced premium.
*Renew your combined buildings and contents Premier Cover Home Insurance policy at the same cover level at first renewal to continue collecting double points.
Why choose BACB's home insurance?
- Choose from two levels of cover, BACB's Home Insurance or BACB's Premier Cover Home Insurance, to get the right cover for you and your home. Both offer combined buildings & contents cover, contents only cover or buildings only cover.
- Home insurance to suit you and your home
- Choose up to £1 million or unlimited buildings cover
- Contents cover up to £50,000 or up to £100,000
- The comfort of knowing that, if you need to make a claim, help is only ever a phone call away
- There for you when you need it most, BACB's Premier Cover Home Insurance
- If your main heating or electricity supply fails, Home Emergency cover gives you up to £500 to help cover the cost of emergency assistance, and up to £200 in overnight accommodation^
- Protection for your possessions inside and away from the home
- Legal protection, up to £100,000
- Reasonable cost to replace keys and the locks they fit
^Not available in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands.
Offer Terms and Conditions
1. Offer only available to customers who take out a new combined buildings and contents BACB's Premier Cover Home Insurance policy.
2. Customers must renew their policy at the same cover level to continue collecting double points.
3. If the policy is cancelled, double points will cease from the cancellation date.
4. Only the first combined buildings and contents policy registered against each Nectar account will qualify for double points.
5. Base points on qualifying spend with BACB's will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all Bonus point offers and points from BACB's Energy, Telecoms, Digital, Bank and all other BACB's services.
6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each BACB's purchase and points will not be allocated retrospectively.
7. The Nectar loyalty programme is operated independently of BACB by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by the Nectar Collector Rules, set out in the registration pack.
8. BACB reserves the right to alter, cancel or withdraw the offer without prior notice.
Contents
Whether it’s a city centre apartment or a suburban semi, every home is different. And you can be sure their contents are different too. That’s why BACB home insurance offer customers two options of contents insurance.
Plus, remember you will receive up to a 20% discount when you buy any policy online. Minimum premiums apply. Where multiple discounts apply, each discount is added consecutively to the reduced premium.
Here's a quick look at the main contents features of both policies. For more information please see our policy booklets on the Policy tab above. Please note if you purchase buildings and contents cover the policies must be at the same product level.
| Feature | BACB Home Insurance | BACB Premier Cover Home Insurance |
|---|---|---|
| Sum insured (single valuable item) | Up to £50,000(up to £2,000) | Up to £100,000 (up to £4,000) |
| Downloaded information | Up to £1,000 | Up to £3,000 |
| Contents in the garden | Up to £1,000 | Up to £2,500 |
| Student belongings | Up to £5,000 | Up to £10,000 |
| 12 months repairs guarantee using approved repairers |  | |
| Household removal-cover whilst on the move | Up to contents sum insured | Up to contents sum insured |
| Special events increased cover* | 10% of contents sum insured | 10% of contents sum insured |
| Tenants liability - cover for building damages you become legally liable for | up to £5,000 | up to £10,000 |
| Additional cover - for individual limits please refer to Additional cover tab | ||
| Home Emergency# | Optional extra | |
| Contents Accidental Damage | Optional extra | |
| Family Legal Protection | Optional extra | |
| Personal Possessions | Optional extra | |
Buildings
BACB home insurance offers customers two options of buildings insurance to cover the fabric of your building, so you can pick the right cover for you.
Plus, remember you will receive up to a 20% discount when you buy any policy online. Minimum premiums apply. Where multiple discounts apply, each discount is applied consecutively to the reduced premium.
Here's a quick look at the main buildings features of both policies. For more information please see our policy booklets on the Policy tab above. Please note if you purchase buildings and contents cover the policies must be at the same product level.
| Feature | BACB Home Insurance | BACB Premier Cover Home Insurance |
|---|---|---|
| Sum insured | Up to £1,000,000 | Unlimited |
| Alternative accommodation | Up to £25,000 | Up to £50,000 |
| Loss / theft of keys | Unlimited | Unlimited plus Keycare |
| Trace & access - cover to help locate leaks | Up to £5,000 | Up to £10,000 |
| Additional Cover | ||
| Home Emergency# | Optional extra | |
| Buildings Accidental Damage | Optional extra | |
| Family Legal Protection | Optional extra | |
Additional Cover
Added reassurance
BACB home insurance offer a range of optional additional covers.
If you purchase BACB Premier Cover Home Insurance these come as standard but they can be added to our BACB Home Insurance cover for an additional cost (excludes Keycare).
| Feature | Benefit |
|---|---|
| Home Emergency | Up to £500 for call out, labour and parts in the event of an emergency at your home. Up to £200 for alternative overnight accommodation if your property becomes uninhabitable. (Not available to those living in Scilly Isles, the Scottish Islands, Isle of Man or the Channel Islands). |
| Contents Accidental Damage | Protection of your personal belongings and non-permanent fixtures and fittings like carpets and curtains against non-deliberate damage. |
| Buildings Accidental Damage | Protection of your home which includes parts of the building such as walls, roofs, drives, patios and outbuildings against non-deliberate damage. This also includes any permanent fixtures such as kitchen units or bathroom fittings. |
| Family Legal Protection | Up to £100,000 for the costs of legal expenses and court proceedings if you are involved in any private legal disputes such as property or employment disputes. 24-hour legal advice and cover for your salary whilst you attend jury service is also provided. |
| Personal Possessions | Cover for items that you would normally take out of the house such as jewellery, cameras, sports equipment and laptops (limit of £2,500 (Home Insurance) and £5,000 (Premier Cover Home Insurance) – single item limit and additional limits & conditions apply). |
| Keycare | Annual protection if you permanently lose your keys - covering the replacement and reprogramming of all keys lost on the same key fob, even your car keys. Limited to £1,000. |
Tools & guides
Tools, guides and resources
A range of tools and guides to help you keep your home and personal belongings safe and secure.
Guide to home security - A look at the precautions you can take to protect your family home and contents.
What is home insurance? - We explain the typical aspects of buildings and contents protection.
Security tips for students - Some steps you can take to help keep belongings safe at University or College.
For questions and quotes
Call
BACB's home insurance is underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
