Zurich

Tracked cover

Valuables cover

Total cover for all valuables combined

£25,000

Verified

Single article limit

Maximum payable for any one item

£5,000

Verified

Pedal cycle limit

Cover for bicycles

£4,000

Verified

Frozen food limit

Payout for freezer contents spoiled by breakdown

£1,000

Verified

Money / credit card limit

Cash in the home and fraudulent card use

£750

Verified

Personal possession cover limit

Belongings taken outside the home

£12,500

Verified

Unoccupied days limit

Consecutive days the property may be empty before cover changes

90 days1 team notes

Verified

Terms following unoccupied limit

What cover remains once the unoccupancy limit is exceeded

Beyond 90 consecutive days unoccupied, theft, malicious damage and escape of water are excluded, and accidental damage is limited to the buildings section only. All other insured perils continue. The home must be visited at least once a month and any post cleared from the entrance.Read full terms

Verified

Contents in the open limit

Contents in the garden — furniture, BBQs, statues

£1,500

Verified

Contents in outbuildings limit

Contents in sheds, garages and summer houses

£5,000

Verified

Claims contact number

Number to call to make a claim

0800 000 0000

Not specified

Change history

• Unoccupied days limit changed from 60 days to 90 days

  30 May 2026 · November 2025 → May 2026 · now p.9, Definitions — Unoccupied

Team notes(1)Add note

• P

  Priya 3 Jun 2026 · 16:20

  on Unoccupied days limit

  90 days is the strongest unoccupancy allowance on the panel outside Hiscox — our go-to for the Suffolk second-home clients.

  Reply