Pick and Protect home insurance

Every home is different, that's why we make our Five Star Defaqto cover flexible to suit your needs. With our Pick and Protect home insurance, you're able to choose the level of cover for the things you want to protect.

  • 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



Start a quote

Pick the insurances you would like a quote for. For more information about our covers, please visit their individual pages.

Must be a UK resident and aged over 16 to apply.



Buildings insurance

Buildings insurance can cover the cost of repairs for structural damage to your home, such as fire, flood, or theft. This lets you claim to repair your home’s bricks, mortar, fixtures and fittings. You only need buildings insurance if you own a property, including properties you own and let out.



Contents insurance

Contents insurance covers the items in your home for loss, theft and damage. This includes items inside your home, outbuildings and garden. There are three types of contents insurance available depending on your needs; Our standard contents insurance (which includes an unlimited sum insured), starter contents and student contents insurance.



Gadget insurance

Gadgets insurance provides cover for electronic items. For other possessions, our personal items insurance covers items you take to places with you, like jewellery, watches and luggage. We also offer sports equipment insurance and bike insurance



Home emergency insurance and legal services cover

Home emergency insurance can cover your home for unexpected emergencies, like plumbing disasters, heating breakdowns and storm damage. Our legal services cover provides you with protection against personal injury, as well as employer and property disputes. 

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.

Already got a quote?

Quote references beginning with QTE

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 – 8pm 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.

Existing insurance customers

If you’re an existing Pick and Protect customer and want to opt-out of auto-renewal on your policy, you can complete the online form or call us on 0345 030 8799.

Your renewal price is in line with the latest regulations. You can find out how your price is calculated and frequently asked questions to answer any queries you may have.

Money worries

If you’re struggling financially, we want to help. You can discuss your options with us by calling on 0345 030 8799.