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Home Insurance

Buildings and Contents Insurance

Protecting your home inside and out.

Contents Insurance

Covers up to £50,000 as standard, which can be increased.

Buildings Insurance

Unlimited buildings cover for emergencies such as storm damage, fire and escape of water.

Why choose first direct for cover?

51% of customers paid a total of £300.39 per year or £25.03 per month between 1 April 2023 and 30 June 2023. The price you pay will depend on individual circumstances and cover chosen.

first direct Home Insurance is underwritten by Aviva Insurance Limited

What home insurance cover do you need?

If you own your property, then combined buildings and contents insurance cover makes perfect sense. first direct home insurance provides the same levels of cover as single cover, but can be more cost effective. If you want specific cover, such as home emergency or accidental damage, our optional extras allow you to tailor your cover to your exact needs, so you’re not paying for unnecessary cover.

Get a quote >

Get a quote >

Get a quote >

Take a look over our policy wording, which covers full details of what's not covered.

Certain limitations may apply to your policy.

For example:

– the excess (the amount you have to pay on any claim)

– monetary limits for certain covers

– clauses that exclude certain types of loss or damage

Please make sure you read the first direct Home Insurance Product Information Document before getting a quote or applying. You'll find full details in our Policy Booklet.

Restrictions

Legal expenses cover provides you with a lawyer if you need one, and up to £50,000 of legal costs to pursue or defend a wide range of disputes including:

Restrictions

We will only accept your legal expenses claim if our lawyer believes you are likely to win the case. Conditions also apply if you want to nominate your own lawyer to represent you.

Restrictions

Restrictions

Restrictions

Restrictions

Restrictions

Are you eligible?

Please ensure you can answer YES to the following questions:

Are you over the age of 16?

Is your property in the UK?*

*Excluding Channel Islands and Isle of Man

Useful documents

If you're a homeowner in the UK and want to temporarily welcome Ukrainian refugees into your home as non-paying guests, you don't need to tell us. Your home insurance cover will stay the same and provide cover for visitors.

We’d encourage you to check your policy to make sure it covers your needs. Be aware of any existing terms in your policy that might apply to visitors and get in touch with us if you want to discuss your cover.

Get a Home Insurance quote

Not covered yet?

Apply quickly online for either Buildings or Contents or both (minimum premiums and Terms and Conditions (PDF) apply). Or give us a call:

Available Mon-Fri, 8am-8pm, Sat, 8am-6pm and Sun, 10am-4pm. On public holidays opening hours may vary.

For details on how we use your personal information, please see our Privacy Notice (PDF). first direct Home Insurance is provided by Aviva Insurance Limited. Please read Aviva's Privacy Notice shown within the application.

Existing Customer?

If the worst happens, we’ll do everything we can to help and to make the claims process easy for you. If there's been an emergency or if you’d like to make a claim over the phone, call us so we can help you as soon as possible. Lines are open 24/7

Before you make a claim, make sure you have:

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