You should keep in mind there are security restrictions that apply to some parts of your cover, such as malicious damage or vandalism and theft or attempted theft.

These restricitions mean unless force and violence has been used to get into or out of your home, there are some parts of your policy where you wouldn't be covered for loss or damage.

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

If your policy has been taken out or renewed after the 18 February 2024, the exclusion that said 'force and violence' must be used to get into or out of a property has now been changed to 'force and/or violence'.