How the Bedroom Rated Policy Works

A traditional sum-insured policy involves working out the rebuilding cost of your home (not the market price but the cost of rebuilding from scratch) and the insurer calculates your premium on that basis. A bedroom rated policy is based on the number of bedrooms your home has.

With this new way of buying home insurance the calculation is very much simplified and the need for long winded form filling has gone!

Cover with the Ross Gower Bedroom Rated Policy

Your home is insured up to £750,000 and contents covered up to £75,000.
Personal possessions covered up to £20,000.
(£100 excess on all claims except frozen food £50, 3G iPhones £250 and subsidence which carries an excess of £1000).

Cover Highlights (see key facts document for full details)

Accidental damage.
Claims settled NEW for OLD.
Full subsidence cover.
Personal effects outside the home.
Christmas Gifts
Students possessions (even while they are at University!)

Cover is provided by Insurance Corporation of the Channel Islands exclusively through Ross-Gower Group Ltd.