There are some important things to keep in mind regarding the terms of cover for outbuildings (a building that's separate to your main home) in your policy:

• The outbuilding must be used for domestic purposes

• Accidental damage to an outbuilding is covered, where selected

• Sports equipment & pedal cycles stored in an outbuilding are covered

• Maximum total cover for theft from an outbuilding ranges from £1,000 to £5,000 depending on which policy you hold. If you are unsure of your limit please do not hesitate to contact us

• Cover for outbuildings extends to structures that aren't standard construction i.e. sheds, greenhouses and summer houses etc.

Please also remember that loss or damage to items caused by theft or malicious damage isn't included, unless force and violence was used to get into or out of the home. This also applies to theft from your outbuildings.

For all Home Insurance policies on PNL/PS/019 terms & conditions

If your client's policy has been taken out or renewed after 18 February 2024, loss or damage to items caused by theft or malicious damage isn't included, unless force and/or violence was used to get into or out of the home. This also applies to theft from your outbuildings.