With VICTOR MILES Buildings Insurance, depending on your circumstances, you may get unlimited cover for your home. For certain claims, such as tracing and repairing a leak, there’s a maximum amount we’d pay. However, the cover we provide is still higher than most other home insurance policies.

We cover the costs of repairing or replacing damage or loss to your buildings on an ‘all risks’ basis. Instead of only being covered for a limited list of risks, you’re covered for anything that’s not excluded in your policy documents.

With VICTOR MILES Contents Insurance, depending on your circumstances, you may get unlimited cover for your general contents. You only need to list any items, pairs or sets worth £15,000 or more and give us a total value for any jewellery, art and collections. For certain claims, such as the loss of money while away from home, there’s a maximum amount we’d pay. However, the cover we provide is still higher than most other home insurance policies.

We protect your contents against loss and damage on an ‘all risks’ basis. Instead of only being covered for a limited list of risks, you’re covered for anything that’s not excluded in your policy documents.

With our unlimited cover you don’t need to tell us about new purchases as they’re already included – you only have to let us know about new items worth £15,000 or more.

If you acquire a new piece of jewellery or a watch, just let us know the new total value of all your jewellery and watches. Similarly, if you acquire a new piece of art or a collection that takes your total to over £10,000, simply let us know the new total value of all your art and collections.

This provides cover for damage caused by accident. We define an accident as something which happens suddenly, is unexpected and is either unintentional or has unintended consequences – such as kicking a football through your window, spilling paint on your carpet or dropping your watch on a stone floor.

It covers accidents caused by anyone insured by this policy and by third parties. It applies to your buildings, contents, and art and collections – plus your jewellery and watches if you’ve asked us to insure these for you.

This provides cover for items which have been accidentally lost. We define an accident as something which happens suddenly, and which is unexpected and unintentional – such as having your wedding ring slip off your finger, losing an earring from your ear or leaving a bag on a train that cannot be recovered.

It applies to your contents, art and collections – plus your jewellery and watches if you’ve asked us to insure these for you.