Property Insurance

Cover when thieves force their way in.

Standard theft insurance covers theft involving forcible and violent entry or exit. Extend to include robbery, hold-ups, collusion, or full theft - your property, your level of protection.

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Locks replaced

AFTER EVERY BREAK-IN

Extensions

available for robbery

Standard policy cover

What's included as standard

Core protection against forced entry - plus automatic extensions for glass and locks.

Forcible Entry & Exit

Cover applies when a thief breaks into or out of your premises by forcible and violent means - smashing locks, forcing doors or windows.

Glass Breakage on Theft

Automatic cover for breakage of glass following or during a theft or attempted theft - if not insured under a separate glass policy.

Lock Replacement

Covers the cost of replacing locks after a break-in or attempted theft - so your security is restored immediately.

Temporary Removal

Items temporarily removed from the premises for cleaning or repair remain covered during their absence.

Optional extensions

Extend your protection

Add one or more extensions to cover scenarios beyond standard forced entry.

Robbery & Hold-Up

Extends cover to theft accompanied by assault, threat of violence, or force against employees - regardless of whether a break-in occurred.

Full Theft

Removes the requirement for forcible entry - covers theft by trickery, employees hiding on premises, or any other means of entry.

Collusion

Standard policies exclude collusion (theft assisted by an employee). This extension covers such incidents at an additional premium.

Exclusions

What is not covered

Understanding the standard exclusions helps you choose the right extensions.

Entry without force

Theft via a key, trick, or by hiding on premises (unless force is used to exit) is excluded under the standard policy.

Cash & bank notes

Money in any form is excluded - this is the subject of a separate Money Insurance policy.

Fire & explosion

Property lost or damaged by fire or explosion is covered under a Fire & Special Perils policy.

Livestock

Animals are excluded from the standard theft policy - covered under a livestock policy if required.

Employee dishonesty

Collusion and employee dishonesty are excluded unless the specific extension is purchased.

How it works

Getting covered in 3 steps

Describe what you're protecting

Tell us whether you're covering a residential property, its contents, or business premises.

Select your extensions

Your broker recommends which extensions - robbery, collusion, or full theft - fit your risk profile.

Covered from day one

Policy confirmed and cover starts immediately - your property is protected against break-ins.

Cover starts as soon as your policy is confirmed.

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Frequently Asked Questions

It means the thief physically overcame a physical barrier - breaking a lock, smashing a door, or forcing a window. Simply reaching through an open window or using a hidden key does not qualify. This definition is standard across insurers for business premises cover.