Covéa Home Insurance Review

Ronny Lavie By Ronny Lavie

  • Combined buildings and contents discount
  • Free 24/7 household claims helpline and legal helpline
  • Up to 5 years' no claims discount on separate buildings and contents sections


Covéa Insurance is a UK general insurer specialising in commercial, motor, high net worth, property and protection insurance.

The company is part of the French mutual insurance group Covéa, one of the leading property and liability insurance providers in France and also owns the broker Swinton in the UK.

Covéa Insurance markets its products through intermediaries and also underwrites John Lewis's specialist home insurance policy.

We wrote more about Covéa Insurance and its other insurance options here.

Find out more about home insurance and see our list of the top 10 home insurance policies.

Overview Covéa home insurance

Covéa Insurance offers two main home insurance policies – Profile (Bedroom Rated) and Home (sum insured).

Home (sum insured) is Covéa’s standard comprehensive policy and includes:

  • Index-linked buildings and contents sections (that means the policy updates the sum insured to reflect the changing cost of rebuilding)
  • Trace and access (finding and repairing a water leak) up to £5,000
  • Students cover £2,500
  • Loss of keys £500
  • Up to 10% increase in contents cover during religious festivals and weddings – maximum sum insured is £3,000
  • Freezer contents up to £1,000
  • Personal money and credit cards up to £1,000 each

Optional extras:

  • Personal possessions worldwide up to £20,000
  • Pedal cycles up to £750 per bike for theft, loss and accidental damage in the UK
  • Legal protection up to £50,000

Profile (bedroom rated) is a comprehensive policy that offers more flexibility to tailor the cover to your needs. It is available for homes with up to five bedrooms.

Standard cover includes:

  • Trace and access up to £10,000
  • Students cover £2,500
  • Loss of keys £1,000
  • Religious festivals, weddings or civil partnerships, birthdays or anniversaries increase up to £5,000
  • Freezer contents up to £1,000
  • Personal money up to £1,000 and credit cards £500 each
  • Fatal accident cover up to £5,000

Optional extras:

  • Unspecified personal possessions worldwide up to £10,000
  • Specified personal possessions worldwide up to £15,000 (up to £5,000 per item)
  • Pedal cycles up to £1,500 per bike for theft and loss in the UK (£750 of cover for bikes in your home is included as standard)
  • Legal protection up to £50,000

Customers get access to a free 24/7 household claims helpline, as well as a free 24/7 legal advice helpline.

As with all insurance policies, there are a number of exclusions that are listed in Covéa Insurance's policy wording, for example, it will not cover claims for properties that have been unoccupied for more than 60 days on the Profile product and 30 days on the Home product.

Covéa also provides landlord insurance as part of its commercial product range.

For more on landlord cover check out our guide to the 12 best landlord insurers.

Some of Covéa's cover levels are relatively high, so it may be an option for people with high-value homes and contents.

To see how Covéa Insurance compares to other providers, have a look at our guide to the best home insurance companies and the best contents insurance.

How much does home insurance from Covéa Insurance cost?

The cost of home insurance varies, depending on a number of personal factors, including the value of your home and the items you want to insure, where you live and the level of cover you are after (including any added extras).

Covéa Insurance offers a combined home and contents discount, with security discounts available in certain areas. Customers have the option to pay in direct debit instalments, to help make the premiums more affordable.

What do Covéa Insurance home insurance reviews from the experts say?

Independent financial researcher Defaqto has rated Covéa Insurance’s Profile home insurance policy as 5 Star and Covéa Insurance’s Home (sum insured) as 3 Star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy has “an excellent product with a comprehensive range of features and benefits”, and a 3 Star rated policy has “an average level of features and benefits”.

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

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