Pick and Protect home insurance


Every home is different, that is why we make our Five Star Defaqto cover flexible to suit your needs. With our Pick and Protect Home Insurance you are able to choose the level of cover for the things you want covering.

  • Choose the cover you want, when you want it
  • We won't charge you extra for paying monthly
  • There's no admin fee if you need to add or remove cover
  • Our claims team are open round the clock, 24 hours a day, 7 days a week

Must be a UK resident to apply.

Coronavirus (COVID-19) information

We understand our customers may be worried about the impact of Coronavirus (COVID-19) and wanted to reassure you that we're here to help you with any financial concerns you may have.
Coronavirus (COVID-19) information

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We’re here to help

To chat to a Partner about Pick and Protect, call us on 0345 307 8507.

If you are looking for cover for a holiday or weekend home, or you rent out a property, we can also help you. Just give us a call on 0345 307 8509.

We’re on the phones 8am – 6pm Monday to Friday, 8am – 6pm on Saturdays, 10am – 4pm on Sundays and 10am - 4pm on Bank Holidays.

Calls to our 0345 numbers are charged at local rates dependent on network and are usually included in inclusive minute plans. For our joint protection, telephone calls may be recorded and/or monitored.

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Buildings insurance covers the bricks, mortar, fixtures and fittings of your main home. Remember you don't need this if you're renting.



Contents insurance covers loss, theft and damage of your possessions while they’re in your home, outbuildings or garden.



Gadgets/Sports Equipment/Bike and Personal Items insurance are items you can choose to protect when at home or out and about, anywhere in the world. You don’t need to have our buildings or contents for this type of insurance.



Home Emergency and Legal Services insurance: have the experts on hand when unexpected things go wrong.

You can choose more covers during the application process.

Before getting a quote, please carefully read all of the documents below. You can download and print copies to keep.

Insurance Product Information Document (PDF, 98KB) 

This document provides a summary of the main product benefits and exclusions to allow you to easily compare between different providers.

Important Information (PDF, 144KB) 

This document contains information you need to provide, how your personal information will be looked after and important information about your policy and how it is managed.

Initial Disclosure Document (PDF, 72KB) 

This document contains information about TSB and its regulators, the products and services we offer and fees and remuneration.

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