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
  • Get a £30 shopping voucher when you take out buildings and contents insurance together. T&Cs apply



Get a £30 shopping voucher.

Our Pick and Protect home insurance is flexible. So you choose to cover the things in life that matter to you the most. Take out buildings and contents insurance together and get a £30 shopping voucher to treat yourself to something nice from a choice of around 130 retailers.

Get a quote

Offer ends 22 October 2021. To get the voucher, policy must be in place for 60 days. An email on how to claim your voucher will be sent within 70 days of the policy start. Click here to view full T&Cs and FAQs. Aged 16+ and UK resident.

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.

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

Register for mobile banking

We’re open anytime and anywhere. Take care of your day-to-day banking when you need to.

Set up mobile banking

logging in?

Follow our step-by-step tutorial to get back online from the safety of your home.

View tutorial

Need to visit us?
Visit our FAQs

If you need help with something specific, let us know what it relates to or search a topic.

Go to help page