Why choose

Littlewoods Home Insurance?

  • Cover starts from under £40* for Contents only and under £100* for Buildings and Contents.
  • A UK based call centre on hand to help with any claims or queries.
  • Comprehensive cover for peace of mind.
Any Questions Call: 0800 0726 350

Littlewoods Home Insurance gives you security in the knowledge that your home and its contents are protected should the unthinkable happen.

At a glance
  • £75,000 worth of cover for all your home content.
  • £500,000 worth of cover for your building.
  • The Option to protect your contents only, buildings only or both.
  • Up to 25% No Claims Discount.
  • Optional Accidental Damage and Personal Possessions cover available.
What's not covered (Buildings & Contents)
  • Wear and tear
  • Loss or damage when your home is unoccupied for more than 60 days
Any Questions Call: 0800 0726 350
Optional Accidental Damage
  • For an additional cost you can choose to add optional Accidental Damage cover to your Buildings Insurance, your Contents Insurance or both.
  • Accidental damage can be defined as sudden, unexpected and visible damage which has not been caused on purpose.
  • Buildings Accidental Damage covers items such as any fixed glass, sanitary fittings or service pipes and cables. For example, if you accidentally broke any of your sanitary ware.
  • Contents Accidental Damage covers items such as TVs audio equipment, computer equipment in the home as well as events such as spilling red wine on your sofa.
Any Questions Call: 0800 0726 350
Optional Family Legal Protection

If you decide to add Optional Family Legal Protection Cover, you can get up to £50,000 of legal costs, as well as 24/7 access to a team of legal experts.This covers your property rights, but also you as an individual.

What's Covered
  • Disputes relating to property rights, including boundary disputes and noisy neighbours.
  • Personal injury claims relating to you or any other permanent resident in your home.
  • Fees associated with recovering your identity following identity theft.
What's not covered
  • Any damages or fines you are ordered to pay by a court.
  • Any offence relating to a motor bike / vehicle.
  • Any claim involving medical or clinical negligence.
  • Disputes with local or government authorities such as planning permission and compulsory purchase.
Please download the policy document for a detailed overview of cover levels and exclusions Any Questions Call: 0800 0726 350
Optional Personal Possessions

Personal Belongings cover insures your personal effects while in and away from your home. This cover is provided both in the UK and worldwide. You can choose a level of cover up to £5000. This provides cover for your possessions if they are lost, stolen or accidentally damaged. If you have any portable items that are worth more than £2000 you will need to specify these individually, and these will be covered in addition to the amount of cover level you request. These are known as specified personal belongings and will show separately on your schedule.

Any Questions Call: 0800 0726 350
Optional Home Emergency

Whether its burst pipes or a gas leak, unfortunately, sometimes things go wrong. If you choose to add Home Emergency Cover you'll get emergency assistance to help secure your home should something unexpected happen.

What's Covered
  • Damage or failure to plumbing and drainage
  • Internal electricity failure, gas leaks and failure of water supplies
  • Unexpected damage to roof
  • Overnight accommodation if you’re unable to stay in you're home
What's not covered
  • Repair or replacement of lead pipe work
  • Window locks
  • Boilers that are over 15 years old
  • Internal glass, external garages or outbuildings
Please download the policy document for a detailed overview of cover levels and exclusions Any Questions Call: 0800 0726 350

If you own your own home, you may need to consider having buildings cover; as mortgage lenders usually make this a condition of your mortgage. You may also want to consider protecting your possessions with Contents Insurance; Contents Insurance offers repair or replacement of damaged items up to the level shown on your policy schedule.

For building cover this would be the cost to rebuild your home in the event of a total loss, not the value of your house. Littlewoods Home Insurance will offer cover of up to £300,000 to rebuild your home. For contents cover this would be the value to replace all of those items you would take with you if you moved house, including things such as carpets and curtains. Littlewoods Home Insurance offers cover of up to £40,000 to replace your contents. It is easy to underestimate the value of your property and its contents, but it is important to ensure you will not be underinsured.

The cost of home insurance depends on a number of factors such as where you live and the size and construction of your home. Buying a combined policy can often be cheaper than getting two separate policies. Littlewoods Home Insurance like most policies has cover limits so it's important to ensure that these are sufficient for your circumstances. Littlewoods Home Insurance gives you the option to add covers such as accidental damage and personal belongings away from the home, as well as Family Legal Protection and Home Emergency so you can tailor the cover and cost of the policy to your needs and circumstances.

The policy term is 12 months, at which point you can choose to renew this policy. You will be notified at least 21 days before your policy is due to renew.

When you have purchased your policy, your documentation will be sent to you by email. You will also be able to access your documentation 24/7 through your "My Insurance Account", where it is available to view.

If you cancel the policy within 14 days of the date you receive your policy documents you will receive a refund of the premium in full provided no claim has been made. If you cancel your policy after 14 days of the date you received your policy documents you will receive a refund of the premium on a pro-rata basis provided no claim has been made. Please note there will be an administration charge for cancellation to cover the administration costs of arranging the policy.

To cancel your policy;
Phone: 0800 0726 350 and speak to a specialist customer service advisor. Lines are open from Monday to Friday 9am - 8pm, Saturday 9am - 5pm,
and Sunday 10am - 4pm
Write to:
Littlewoods Home Insurance
Direct Group Ltd
Quay Point
Lakeside Boulevard
Doncaster
DN4 5PL

You are able to pay for your home insurance by paying in full or spreading the cost using your existing Littlewoods credit account.

Yes, should you need to claim under Littlewoods Contents Insurance, and your items cannot be repaired you could receive brand new ones in the event of a claim. If the original is not available it could be replaced with the nearest possible alternative. Please see the policy wording for more details.

Properties with up to 4 bedrooms can be covered. If your property exceeds this unfortunately a quote cannot be provided.

Littlewoods Home Insurance has a standard policy excess of £100. For subsidence this is £1,000. You can choose to increase this excess up to a maximum of £250; this increase is known as a voluntary excess. Increasing your policy excess may decrease the cost of your insurance; however the value of the excess is the first part of any claim that you would have to pay.

Email: help@homeinsurance.littlewoods.com

Phone: 0800 0726 350 and speak to a specialist customer service advisor. Lines are open from Monday to Friday 9am - 8pm, Saturday 9am - 5pm,
and Sunday 10am - 4pm.

Write to:
Littlewoods Home Insurance
Direct Group Ltd
Quay Point
Lakeside Boulevard
Doncaster
DN4 5PL

Welcome back - how can we help you? Building & Contents Insurance - Account login > Essential Contents Insurance - Account login >

If you want to view your policy documentation or need to make a change to your policy for example you’re moving home or you’d like to add new items to increase your level of cover there are a number of ways you can do this;

Via ‘My Insurance Account

Step 1 - Log in to My Insurance account by clicking;

Buildings and Contents Insurance account login

Essential Contents Insurance account login

Step 2 - Once logged in click on the view my policies link within the ‘My policies’ section
Step 3 - Select manage policy on the right hand side
Step 4 - Select amend my details within the section where you need to make the change and follow the on screen instructions

Phone: 0800 0726 350 and speak to a specialist customer service advisor. Lines are open from Monday to Friday 9am - 8pm, Saturday 9am - 5pm, and Sunday 10am - 4pm

Write to:
Littlewoods Home Insurance
Direct Group Ltd
Quay Point
Lakeside Boulevard
Doncaster
DN4 5PL

The changes you make may affect your premium, before you confirm the change you will be notified of any refund or additional premium that is due.

It is important that you notify Littlewoods Home Insurance of any changes. If this is not disclosed this could invalidate your policy and mean that the insurer may not pay out in the event of a claim.

There is no administration charge for making a change to your policy.

If you are unfortunate enough to suffer loss or damage to your home or contents, you should report the incident as soon as reasonably possible.

There are a number of ways you can do this;

Via ‘My Insurance Account

Step 1 - Log in to ‘My Insurance account’ by clicking;

Buildings and Contents Insurance account login

Essential Contents Insurance account login

Step 2 - Once logged in click on the ‘view my policies’ link within the ‘My policies’ section
Step 3 - Select notify a claim on the right hand side
Step 4 - Enter your claim details and click the ‘submit’ button
Step 5 - Your claim will be submitted and you will be contacted by a specialist claims handler to confirm next steps

Phone: 0800 0726 350 and speak to a specialist claims handler. Lines are open from Monday to Friday 9am - 8pm, Saturday 9am - 5pm, and Sunday 10am - 4pm.
When reporting a claim please ensure that you have your policy number to hand.

Email: theclaimsteam@directgroup.co.uk
Write to:
Direct Group Claims Department
PO Box 800
Halifax
HX1 9ET

Email: customer.relations@directgroup.co.uk

Phone: 0800 0726 350. Lines are open from Monday to Friday 9am - 8pm, Saturday 9am - 5pm, and Sunday 10am - 4pm

Write to:
Direct Group Customer Relations
PO Box 1193
Doncaster
DN1 9PW

Complaints regarding claims
Email: customer.relations@directgroup.co.uk

Phone: 0800 0727 161 and speak to a specialist customer service advisor. Lines are open from Monday to Friday 9am - 8pm, Saturday 9am - 5pm,and Sunday 10am - 4pm

Write to:
Direct Group Customer Relations
PO Box 1193
Doncaster
DN1 9PW

Complaints regarding claims for Home Emergency or Family Legal Protection
Email: claims@legalim.co.uk

Phone: 01384 377000 Lines are open from Monday to Friday 9am - 8pm, Saturday 9am - 5pm, and Sunday 10am - 4pm

Write to:
The Managing Director
Legal Insurance Management Ltd
1 Hagley Court North
The Waterfront
Brierley Hill
West Midlands
DY5 1XF

Clicking "Get a Quote" will take you to
Direct Group who will arrange a quote
and cover if required.

*Contents only based on 29% of sales between 27.06.14 and 17.03.15. Buildings and Contents based on 34% of sales between 27.06.14 and 17.03.15.
† 5% discount per consecutive claim free year up to a maximum of 5 years. If no incident occurs during the insurance period which results in a claim under the Buildings, Contents or Personal Possessions your no claims discount will increase in line with our scale at the renewal of the policy.
For each incident that occurs during the insurance period which results in a claim under the Buildings, Contents or Personal Possessions your no claims discount may reduce in line with our scale at the renewal of the policy. You cannot transfer your no claims discount to anyone else.
Littlewoods is a registered trademark and is used under license by Shop Direct Home Shopping Limited and Shop Direct Finance Company Limited. Shop Direct Finance Company Limited introduces Littlewoods Home Insurance and Littlewoods Essential Contents Insurance and Direct Group Limited arranges the sale of Littlewoods Home Insurance and Littlewoods Essential Contents Insurance. Home Insurance and Essential Contents Insurance policies are underwritten by Royal & Sun Alliance Insurance plc and Home Emergency and Family Legal Protection policies are underwritten by UK General Insurance on behalf of Ageas Insurance Limited.
Credit is provided, subject to status, by Shop Direct Finance Company Limited. Aintree Innovation Centre, Park Lane, Netherton, Bootle. L30 1SL. Authorised and regulated by the Financial Conduct Authority. Goods/services provided by Shop Direct Home Shopping Limited. First Floor, Skyways House, Speke Road, Liverpool, L70 1AB.