As of 12th September 2009, all new customers will have the additional peril “insect or vermin from a source outside of the Property Covered.”

If you bought your policy before the 12th September 2009, and would like to add this new peril to your cover, you should either cancel your current policy or wait for it to expire before opening a new policy. If you simply extend or adjust your current policy, you will retain the original policy terms, and not the new policy including this additional Peril.

Please Note that in the event of a claim for this new peril the excess is raised from £25 to £100.

You can read more about this new cover and any exclusions that apply in the FAQs here