Important Documents
Home Product Documents
Home cover purchased before 1 November 2018 or renewed before 20 November 2018
(PDF, 221KB)
Home cover purchased from 1 November 2018 or renewed after 19 November 2018
(PDF, 221KB)
Landlord Product Documents
Landlord cover purchased before 1 November 2018 or renewed before 20 November 2018
(PDF, 221KB)
Landlord cover purchased from 1 November 2018 or renewed after 19 November 2018
(PDF, 221KB)
Military Kit Product Documents
(PDF, 190KB)
Car Product Documents
To find your policy wording please click on the relevant insurance company below.
Ageas Guard Motor Policy – March 2015 onwards
(PDF, 1.1MB)
Ageas Guard Motor Policy – February 2016 onwards
(PDF, 1MB)
Ageas Optima Motor Policy – March 2015 onwards
(PDF, 266KB)
Ageas Optima Motor Policy – January 2016 onwards
(PDF, 745KB)
Covea Motor Policy – May 2018 onwards
(PDF, 2.74MB)
Covea Motor Policy – December 2015 to October 2016
(PDF, 1.5MB)
Covea Motor Policy – October 2016 to May 2018
(PDF, 1.1MB)
ERS Motor Policy – January 16 to February 17
(PDF, 659KB)
ERS Motor Policy – February 17 to May 18
(PDF, 668KB)
ERS Motor Policy – May 2018 onwards
(PDF, 5MB)
Sabre Motor Policy September 2015 to May 2018
(PDF, 160KB)
Sabre Motor Policy – May 2018
(PDF, 235KB)
Motor Breakdown Policy wording
(PDF, 418KB)
Motor Breakdown Statement of Demands Needs
(PDF, 184KB)
Motor Breakdown Key Facts
(PDF. 438KB)
Motor Legal Solutions Policy Wording
(PDF, 520KB)
Employee Liability Policy
In order to meet the statutory requirements for Employee Liability protection we have provided Members who have purchased this as a discretionary Mutual cover with an additional contract of insurance Builders Direct S.A., a European insurance company rated A- (Excellent) by A.M. Best for its financial strength. This policy exactly matches your Mutual cover and guarantees that you will be paid for a covered loss in the event that we do not pay you in full under the discretionary cover.
You can access this policy below:
Builders Direct Employers Liability Policy
(PDF, 524KB)
Builders TMM Group Policy (Commercial Combined)
As an added benefit of membership, we have purchased for some of our products additional protection for our Members under group insurance policies with Builders Direct S.A., a European insurance company rated A- (Excellent) by A.M. Best for its financial strength. These Group Insurance Policies exactly match your Mutual cover with us and also give you access to the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme.
The protection you can receive under the Group Insurance Policy guarantees that you will be paid for a covered loss in the event that we do not pay you in full under the discretionary cover. These Group Insurance Policies are quite separate from your discretionary cover with the Mutual. There is no charge to you for these Group Insurance Policies.
You can access these policies below:
Commercial Combined Group Policy
Builders TMM Group Policy (Commercial Combined)
(PDF, 524KB)
Annual Report and Financial Statements
Annual Report and Financial Statements for year ended 30 June 2017 (PDF, 7.71MB)
