Home insurance
5 Star Defaqto rated Buildings and Contents cover
✔ New for old contents
✔ Unlimited buildings cover
✔ Alternative accommodation
For full details of cover and exclusions, please read our policy booklets
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If you’re an existing customer looking for info on your policy, you can log in to your Account here or using the links at the top of the page. If you get stuck, look for the Need Help? button to access our Chatbot, or click here to check out our FAQs.
What's covered?
Off
Buildings Insurance
What does this cover give me?
Unlimited buildings cover
House blown away in a storm? We'll cover the cost of rebuilding
Alternative accommodation
Up to £75,000
Locks and keys
If your keys are lost or stolen, you'll be covered for the cost of replacing them and installing locks on any external doors up to the value of £1,000
Property owner's liability cover
Up to a £2 million as standard
Did you know, you can...
Add Accidental Damage cover for an additional fee, covering the cost of repair or replacement as direct result of an accident
Find out more about Building Insurance.
You can find our Home Insurance policy limits here.
Contents Insurance
How do you protect my most prized possessions?
New for old contents cover
No shabby substitutes, we'll replace all covered items as new
Garden contents
Up to £2,000, tools, plants or machinery
Personal money
Up to £750 to cover lost or stolen cash
Students cover
Up to £5,000 to cover contents in secure rooms in university halls or boarding schools*
Special Events cover
Up to an extra 15%**
Home office equipment
Up to £10,000
These limits are included in and not additional to your sum insured.
Restrictions may apply, please check our policy booklet.
Did you know, you can...
Add Accidental Damage cover for an additional fee, covering the cost of repair or replacement as direct result of an accident
Find out more about Contents Insurance.
You can find the current limits on our Home Insurance policy limits here.
Need help with calculating your home's content value? Our handy home insurance checklist can help you.
*When not left vacant for more than 15 days. **Four weeks before and after a special event, such as a religious festival (up to 15% extra cover) and weddings/births (up to 10% extra cover).
Welcoming refugees
If you’ve stepped up to welcome a refugee into your home, we’ll treat them as family. That means that for the duration of the “Homes for Ukraine” initiative, taking in a refugee will not alter your home insurance policy and you don’t need to notify us that you’ve taken a refugee in. They’ll simply be treated in the same way we’d view any family members within your household.
Are you an existing Sheilas' Wheels Home Insurance customer?
When we issue your renewal quote, it will always be the same or less than the equivalent new customer price*
*The price you'd be given as a new customer if it was calculated using the same information available for your renewal quote (assuming the same cover details and sales channel).
Handy Optional Extras!
OffFamily Legal
Protection
Up to £50,000 of legal costs cover (up to £10,000 for employment disputes) and access to expert lawyers. Events covered include personal injury, employment tribunals, jury cover, and more.
If you ever use Family Legal Protection your No Claim Discount won't be affected.
Home Emergency Cover
24/7 emergency phone number, we'll also organise the out-of-hours tradesman.
Call-out charge, labour cost, parts and materials to a limit of £500 including VAT (subject to a £25 excess) are covered by Sheilas' Wheels.
If you do need to make a call out, No Claim Discount won't be affected.
Personal Possessions
For an additional fee you are covered for accidental loss, damage and theft of your personal possessions while they are temporarily removed from your home anywhere in the United Kingdom, and for up to 60 consecutive days anywhere in the rest of the world.
Pest Cover
Infestations are just plain awful. Get Pest Cover so you don't have to deal with the hassle. We cover exterminations up to £200 for bedbugs, and up to £150 for wasps, hornet nests, mice, rats, and squirrels.
Host insurance
Provided by Pikl in partnership with Sheilas' Wheels
Specialist insurance if you let your property out short-term on platforms like Airbnb
Make a claim
Supporting you when you need us most
Policy booklet
Check the policy booklet to find out what's covered by our Defaqto 5 Star rated insurance
Home Insurance Hub
Learn more about our insurance, our level of cover or available add-ons and how they can suit you.
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