Overview

Our Groupama Bedrooms insurance product provides complete peace of mind and value for money by providing up to £50,000 of contents cover and/or up to £500,000 buildings cover as standard.  However, if you would prefer you can choose the type and limit of cover that will best suit your requirements with our Groupama Home policy.

Who is it for?

	Groupama Bedrooms	Groupama Home
Homeowners
Tenants who are renting premises and require cover for their possessions
People who require extra cover for their possessions away from the home
People who do clerical business work from home
Number of bedrooms	Up to 5 bedrooms	Up to 9 bedrooms
Properties with a rebuilding cost of up to £400,000
Risks with a buildings sum insured between £45,000 and £400,000
Risks with  a contents sum insured of	Up to £50,000	Between £17,500 and £80,000
Risks with sum insured for unspecified possessions away from the home up to £10,000

Commission

20%

Minimum premium

For buildings £75 plus IPT and for contents £50 plus IPT. In addition, we will charge premiums when cover is requested for items away from the home and legal expenses.

How to get a quote

Via your software house

Cover

Buildings cover

Cover	Groupama Bedrooms	Groupama Home
Basis of cover	Buildings cover up to £500,000 for the cost of rebuilding the home and any outbuildings	Sums insured for the cost of rebuilding the home and any outbuildings
Buildings will be covered if any of the following events occur	Fire, smoke, explosion, lighting, earthquake Storm or flood Subsidence, heave or landslip Riot, civil commotion, strikes Malicious acts Escape of water Impact with the buildings Theft or attempted theft Leakage of oil Falling trees or branches Falling aerials or fittings	Fire, smoke, explosion, lighting, earthquake Storm or flood Subsidence, heave or landslip Riot, civil commotion, strikes Malicious acts Escape of water Impact with the buildings Theft or attempted theft Leakage of oil Falling trees or branches Falling aerials or fittings
Fees and other expenses	Reasonable costs necessarily incurred	Reasonable costs necessarily incurred
Rent	Up to two years rent the insured would have received	Up to two years rent the insured would have received
Alternative accommodation		Up to the buildings sum insured
Glass or sanitary ware		Up to the buildings sum insured
Underground pipes and cables	Up to £1,000 for clearance of blockages	Up to £1,000 for clearance of blockages
Public liability	Up to £2 million limit of indemnity	Up to £2 million limit of indemnity
Trace and access	Up to £5,000 to locate the source of damage	Up to £5,000 to locate the source of damage
Emergency access		Up to the buildings sum insured
Door locks	Up to £1,000 for replacement locks	Up to £1,000 for replacement locks

Contents cover 

Cover	Groupama Bedrooms	Groupama Home
Basis of cover	Standard policy provides contents cover up to £50,000 for the cost of replacing insured's belongings following loss or damage	Standard policy provides contents cover up to the sum insured for the cost of replacing insured's belongings
Contents will be covered following loss or damage by any of these causes	Fire, smoke, explosion, lighting, earthquake Storm or flood Subsidence, heave or landslip Riot, civil commotion, strikes Malicious acts Escape of water Impact with the buildings Theft or attempted theft Leakage of oil Falling trees or branches Falling aerials or fittings	Fire, smoke, explosion, lighting, earthquake Storm or flood Subsidence, heave or landslip Riot, civil commotion, strikes Malicious acts Escape of water Impact with the buildings Theft or attempted theft Leakage of oil Falling trees or branches Falling aerials or fittings
Temporary removal of contents	Up to 20% of the contents sum insured. Up to £5,000 in student accommodation	Up to 20% of the contents sum insured. Up to £5,000 in student accommodation
Rent	Up to 12 months rent	Up to 12 months rent
Alternative accommodation
Deep freezer contents
Mirrors and glass
Audio and audio visual equipment
Tenant's liability	Up to 20% of the contents sum insured	Up to 20% of the contents sum insured
Contents in the garden	Up to £1,000 for loss or damage	Up to £1,000 for loss or damage
Door locks	Up to £1,000 for replacement locks	Up to £1,000 for replacement locks
Loss of oil and metered water	Up to £1,500 for lost oil or water charges	Up to £1,500 for lost oil or water charges
Reinstatement of title deeds	Limit £2,500 for loss or damage	Limit £2,500 for loss or damage
Visitors' personal effects	Up to £2,500	Up to £2,500
Clerical business equipment	Up to £5,000	Up to £5,000
Audio or visual downloads	Up to £2,500	Up to £2,500
Public and personal liability	Up to £2 million limit of indemnity	Up to £2 million limit of indemnity
Accidents to domestic employees	Up to £10 million limit of indemnity	Up to £10 million limit of indemnity
Fatal accidents	Up to £5,000	Up to £5,000
Household removals (accidental damage)
Shopping in transit	Up to £250 for loss or damage	Up to £250 for loss or damage

Cover can be extended to include

 Cover for possessions away from the home

Contents - limits

Covers	Groupama Bedrooms	Groupama Home
Maximum of 40% of the contents  sum insured for valuables
£2,500 for any valuable item unless specifically insured

Excesses

Benefits

Policy benefits

Benefit	Groupama Bedrooms	Groupama Home
Index linked buildings sum insured
Up to five years no claim discount
Up to 25% no claim discount
Property and legal helplines included
Voluntary excesses available from £50 to £500
Cover for Christmas, birthday and wedding periods - cover increased by up to 10% of contents sum insured

Risk appetite

Risks we are particularly competitive on

Risk	Groupama Bedrooms	Groupama Home
Combined building and contents risks
Policyholders over 30
Properties constructed after 1990
Risks with three years claim free record

 

 

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