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Cavere Home Insurance (Integra)

Underwritten by Integra Insurance Solutions Ltd on behalf of Accredited Insurance (Europe) Limited – UK Branch, Cavere Home Insurance is rated 5 star by the Moneyfacts Group, the independent researcher of financial products in the UK.

At Integra, delivering high-quality home insurance and providing for their customers is at the heart of what they do. They pride themselves on integrity, and believe it truly matters. Integra embraces technological advancements and continually looks to innovate and adapt their insurance offering to stay ahead of the curve. Their agile and data driven approach allows them to make accurate decisions quickly and efficiently. They also put sustainability at the very core of their business and are continually improving their social and environmental impact.

  • Buildings Cover Limits 

    Causes Covered Standard Policy Limit
    Buildings Cover Maximum Claim Limit £1,000,000
    Alternative Accommodation 20% of the maximum claim limit for buildings
    Replacement Locks & Keys £750
    Removal of Squatters £10,000
    Trace & Access £5,000
    Property Owners Liability £2,000,000
    Trees, Shrubs, Plants and Lawns £1,500

    Contents Cover Limits 

    Causes Covered Standard Policy Limit
    Contents Cover Maximum Claim Limit £100,000
    Theft of Contents from an Outbuilding or Garage £3,000
    Loss of Metered oil or water Up to the maximum claim limit for Contents
    Occcupiers & Personal Liability £2,000,000
    Employers Liability £10,000,000
    Tenants liability 20% of the maximum claim limit for Contents
    Contents temporarily removed Up to the maximum claim limit for Contents
    Rent & Alternative Accommodation 20% of the maximum claim limit for Contents
    Replacement locks & keys £750
    Wedding/Birthday and Religious increase £3,000
    Visitors Personal Belongings £1,000
    Tenants Improvements 20% of the maximum claim limit for Contents
    Students Belongings Up to the maximum claim limit for Contents
    Business Equipment (Clerical) Up to the maximum claim limit for Contents
    Title Deeds & Personal Documents £2,500
    Freezer Food Up to the maximum claim limit for Contents
    Money in the Home £750
    Credit Cards in the Home £500
    Total unspecified High Risk items Limit/Valuables £30,000
    Single unspecified High Risk item limit/Valuables £2,500
    Single specified item limit £10,000
    Contents in the open (within the property boundaries) £2,000
    Electronic Data Downloads £2,500

    Optional Cover Extensions 

    Causes Covered Buildings Contents Standard Policy Limits
    Accidental Damage Cover Y Y Up to the Buildings or Contents Maximum Claim limit
    Home Emergency cover Y Y £1,000 per claim
    Personal legal Protection Y Y £50,000

    Optional Personal Belongings Cover

    Unspecified Personal Belongings Policy Limit Specified Personal Belongings Policy Limit
    Maximum Unspecified sum insured £20,000 Total Maximum Specified Personal Belongings £20,000
    Single Item limit (Non Cycle) £2,500 Single Specified Limit (Non Cycle) £10,000
    Single Item Limit (Cycles) £500 Maximum Combined Unspecified and specified £20,000
    Personal Money £750 Single Specified Limit (Cycles) £3000
    Credit Cards £500 Maximum All Specified Cycles £5,000
    Mobile Phones Up to chosen PB cover limit Maximum number of Cycles 5

     Standard Policy Excess Amounts

    Excess Amount
    Standard policy Excess £100
    Escape of Water £250
    Subsidence, Heave or Landslip £1,000

  • The quickest way to register your claim at any time is to use our fast and efficient online claims portal.

    You can upload details to support your claim including photo images or videos as part of this simple process.
    www.integra-ins.co.uk/claims

    Alternatively you can call 01274 700 810 and speak to one of our experienced claims handlers who will guide
    you through the claims process.

    To help us deal with your claim quickly, please read this policy booklet carefully, particularly the Claims
    conditions and Policy exclusions on pages 14 to 17.

  • Cavere Insurance is a product provider and we do not sell directly to the public. If you contact us we can put you in touch with a registered broker that covers your area who will be able to provide you with a quote for one of our products.

    Click here and complete a call back form and someone will contact you.

Product Downloads

  • Policy Wording

    A PDF copy of your full policy terms & conditions

    View Download

  • Insurance Product Information Document (IPID)

    A PDF summary of the policy features

    View Download
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