Home emergency

Home Emergency provides cover for one of our approved contractors to call-out to your home, as well as the charge for any parts/materials an...

Working from home

If you work from home, you'll be covered under your policy, as long as it's only clerical work that you are doing.Your cover isn't effected,...

Childminders

We'll only allow clerical work related to your business at your home to be covered. Therefore we can't provide a quote if your occupation is...

Pet damage

Our policies exclude loss or damage caused by pets as a result of fouling, scratching, tearing or chewing.

Solar panels

If you own solar panels and they're attached to your home or fixed to the ground within the boundaries of your home, we'd cover them as a fi...

Students

For Home Insurance policies beginning with PNL/PS/ or Tenants Contents policies beginning TC/PS/: There's an additional level of cover ...

Tools

Paymentshield contents policies covers tools within your home, but only for personal use.Tools are not covered for:-Personal possessions and...

Lodgers

Typically we're unable to provide cover if you have a lodger. An exception to this is where somebody may be living in your property in the s...

Travel insurance contribution

Travel insurance contributions shouldn’t affect your no claims discount on your home and contents insurance policy.When you claim under your...

Motorised vehicles

Our contents insurance provides cover for:- Motorised/electric wheelchairs- Garden machinery- Motorised/electric wheelchairs and garden mach...

Homes let out on occasional basis - home insurance

Our panel of insurers will continue to insure policyholders who let out their homes on an occasional basis for events such as The Open Champ...

Loss from communal areas

Items left in common parts of a building, often found in places such as a block of flats, aren’t covered under the general contents cover of...

Pedal cycles

For further details on the extent of cover offered in relation to pedal cycles, please refer to your Policy Booklet.

Contents during removal

Our contents cover includes;'Loss or accidental damage to your contents while they are being moved by professional removers from your home d...

Stables

Providing the stables are for personal use, buildings cover can be provided under the policy. In order to be covered, the stables must be wi...

Unoccupied at start date - home insurance

You need to tell us if your property is going to be unoccupied when taking out a policy, and by this we mean "When your home is not going to...

Holiday homes

If you want to insure a second home which isn't permanently lived in or is a weekend or holiday home, Paymentshield can't offer cover for th...

Legal expenses

What is this type of insurance?This Legal Expenses insurance policy provides legal expenses cover for you, your spouse or partner, your pare...

Electronic & entertainment equipment

If your Home Insurance master policy number starts with PNL or you have a Tenants Contents policy, accidental damage to televisions, video a...

Elderly or disabled customers

Any changes made to your home to help elderly or disabled members of your family would be covered under the normal terms of your policy, but...

Dangerous dogs

Paymentshield won't cover injury, death, disease or illness caused by any dog owned by anyone in your household or for which they're legally...

Accessing your documents online

For all our policyholders, we offer an online service which lets you access your policy documentation online. To do this, log into your onli...

Making payments online

If you are within your renewal period, you can pay for your renewal annually by card online. To do this, log into your Customer account and ...

Renovations & alterations - home insurance

When you're taking out Paymentshield Home Insurance, if you're having renovations or alterations done to your property, please check the inf...

E-bikes

We don't cover any form of electrical bikes including hybrid electric bikes. You'll need to seek special insurance for these. &nbs...

Pedal cycles - tenants contents

Your tenants contents insurance can cover pedal cycles (bicycles) within your home up to your contents sum insured shown on your policy cert...

Worldwide belongings - tenants contents

Worldwide Belongings covers items which are normally worn, used or carried when away from the home, including money (up to £500), gadgets, c...

Changing address on a tenants contents policy

Your Tenants Contents Insurance is transferrable, so you can take your policy with you. To update your policy, call our Customer Services te...

Personal Possessions exclusions & limitations

If you choose to add our personal possessions optional extra to your policy, it covers you for accidental damage, theft or loss of your pers...

Jewellery lost in the home

Losing a piece of jewellery in the home isn't covered under our standard Contents Insurance unless the loss is a direct result of an insured...

Unoccupancy - home insurance

Policies on 'PNL/PS' terms:If your property is going to be unoccupied for more than 60 days, we can continue to offer cover until renewal. H...

Mobility scooters

Unfortunately, we cannot provide cover for mobility scooters. You'll need to find alternative insurance for these items. For all Home I...

Freezer & fridge contents

Contents Insurance covers loss or damage to food in a freezer within your home. Examples of what's covered include:- A change in the tempera...

Wedding & birthday gifts

For one month before and one month after your wedding, civil ceremony, birthday or a religious festival, your contents sum insured is increa...

Sports equipment

Sports equipment is covered under your Contents insurance or Personal Possessions cover, if selected.Please be aware we don't cover any dama...

Guns

Home InsuranceGuns can be covered in the home as a content and away from the home under Personal Possessions, if selected. Please refer to y...

Business equipment at home

We can cover business equipment if you are working from home.This includes computer equipment such as laptops, tablets, printers, photocopie...

Ukrainian Refugees

Following the heart-breaking events happening in Ukraine, we want to help our customers show their support for those who have had to flee th...

Mobile phones - tenants contents

Mobile phones are covered in your home up to £2,500 unless specified on your policy.They can also be covered for Accidental Damage if select...

Bathroom - definition

Bathrooms include wet-rooms, ensuites, toilet rooms and shower rooms. They do not include:- Utility rooms that only contain a sink.- Be...

Shrubs and plants

Shrubs and plants are covered under both the buildings and contents sections of our household policy wording. This ensures that shrubs and p...