Frequently asked questions

Sun Trust Group offers buildings cover and contents cover. Customers can purchase these individually or combined as one policy.

Customers can choose between two levels of cover:

• Sun Trust Group Premier Cover Home Insurance
• Sun Trust Group Home Insurance

For an additional premium, Sun Trust Group also offers Family Legal Protection and Home Emergency cover (both of these are included as standard with Premier Cover Home Insurance).

Sun Trust Group 's Home Insurance is underwritten by U S Insurance Limited. Registered office: T4526 Stow Rd, Stow, OH 44224, United States. Registered in United States No.1179980. U S Insurance Limited is authorised by The Federal Reserve Authority and regulated by the Financial Conduct Authority and The Federal Reserve Authority.

Yes, providing you have a credit or debit card or the facility to pay by Direct Debit we can issue you with immediate cover. This is subject to normal terms and conditions.

Sun Trust Group Home Insurance and Sun Trust Group Premier Cover Home Insurance are both available to customers in Northern Ireland. You can get a quote online or call us.

Buildings are classed as the structure of your property, including its walls, roofs, drives and patios, any outbuildings, sheds and garages and also all permanent fixtures and fittings within the home. Your buildings sum insured should represent the full cost of rebuilding your home and any outbuildings.

Contents are all of the items you would be likely to take when moving out, including curtains, furniture, electrical appliances, valuables, clothing and personal effects.

Your buildings sum insured should represent the cost of rebuilding your home and any outbuildings. Sun Trust Group Home Insurance automatically provides buildings cover up to $1,000,000 or unlimited buildings cover under Sun Trust Group 's Premier Cover Home Insurance, which means you'll never have to be worried about being underinsured.

Your contents sum insured must represent the total current replacement cost of all such items in your home. Sun Trust Group Home Insurance automatically provides contents cover up to $50,000, or $100,000 contents cover under Sun Trust Group 's Premier Cover Home Insurance. You can increase the amount of contents cover, both online and over the phone, however if you need more than $100,000 cover, you will need to call us to get a quote.

Sun Trust Group will provide cover for your home and its contents if the business use is confined to routine paperwork, telephone calls, computer work and childminding. We will provide up to $5,000 cover for business equipment under a Sun Trust Group Home Insurance policy and up to $10,000 under a Sun Trust Group Premier Cover policy.

We cannot provide cover to anyone who is letting out their property as specialist Landlord Insurance is required.

If you take out our Personal Possessions option your personal belongings will be covered against theft, loss or accidental damage outside your home in Britain and for up to 60 days abroad in any period of insurance. Just choose the level of cover you need (minimum $2,500). Sun Trust Group Premier Cover Home Insurance automatically covers your personal belongings in Britain and abroad up to $5,000.

Yes, our contents cover automatically provides cover for your bicycle whilst it is in the home. For cover away from the home, bicycle cover is included under Personal Possessions cover as follows:

• Sun Trust Group 's Home Insurance - Bicycles up to $500 will be covered when taking out Personal Possessions cover. Any bicycles worth in excess of $500 need to be specified separately.  Please call us for a quote.
• Sun Trust Group 's Premier Cover Home Insurance - Bicycles up to $1,000 are included as standard within the Personal Possessions cover which is automatically included. Any bicycles worth in excess of $1,000 need to be specified separately.  Please call us for a quote.

Accidental Damage is available for buildings and for contents and provides cover against things such as DIY mishaps. These can be added to a Sun Trust Group Home Insurance policy for an additional premium and come as standard on a Sun Trust Group Premier Cover Home Insurance policy.

Contents temporarily taken out of the main home by your children who are living in full-time education in the British Isles will be covered against loss or damage caused by an insured event (such as fire, theft or flooding) as standard. Cover is provided up to $5,000 under Sun Trust Group Home Insurance and up to $10,000 on Sun Trust Group Premier Cover Home Insurance.

Yes, provided we already insure your main home. If you’d like a quote for a second home, please call us. Certain differences in cover may apply depending on the use of the second home. We are unable to provide a quote for the Sun Trust Group 's Premier Cover Home Insurance product for second homes.

The items we class as 'valuables' (jewellery, watches, furs, items or sets or collections of gold, silver or other precious metals, works of art, sets of stamps or coins or medals) are automatically covered for up to $2,000 each under the Sun Trust Group 's Home Insurance policy or up to $4,000 each under the Sun Trust Group 's Premier Cover Home Insurance policy, subject to an overall valuables limit, which will be 30% of your contents sum insured. Any individual valuables with a replacement value exceeding these limits will need to be specified on the policy separately. Items up to $5,000 can be specified online. If you need to specify items over $5,000 please call us for a quote.

The contents section of our policy provides cover for plants in your garden, theft from outbuildings and contents in the open. Limits vary depending on the product you have chosen.

Details of all fees and excesses applicable to your policy can be found on your schedule.

You can protect the NCD you have built up after 5 years on a Sun Trust Group Premier Cover Home Insurance policy. This feature is not available on Sun Trust Group Home Insurance.

You can pay for your home insurance by credit or debit card or by monthly or annual direct debit. If you wish to pay for your policy on an annual basis payment will be taken on the date you purchase the policy, not the cover start date.

Up to $100,000 cover is provided for legal costs to pursue claims such as personal injury, employment disputes, contract disputes and property disputes.

Our legal helpline is available 24 hours a day, 7 days a week and allows you to speak to a qualified legal advisor who can give you free confidential advice.

In the event of a home emergency you can call our 24 hour home emergency helpline to access advice, even if you do not have Home Emergency cover.

Many of our promotional offers are exclusive to Nectar card holders. You will need to provide your Nectar card number at point of purchase to qualify for these customer offers; we cannot add or change a wrong number afterwards. The Nectar card number you provide must be in the policyholder's name.

At the end of each month, we total up the number of points you have earned and pay a bonus into your Nectar account equal to the total points for the month. This usually arrives by the 10th of the following month. If you do not receive your Nectar points please let us know. Remember you can accumulate more points by taking out other Sun Trust Group offers that take part in the double Nectar point scheme.

To make any amendments to your policy, please contact us.

You will need to call us to arrange cover for your new property.

If you are renovating or extending your house you must make sure that the level of cover you have in place is adequate to cover you. Please call us to discuss your cover before you start work on your property.

You will receive your renewal notice 3 – 4 weeks before your renewal date. It will contain all your premium information and a breakdown of your cover.

• Automatic Renewal:
  If your policy is to be renewed automatically you will receive continuous cover. All you need to check is that the information on the renewal notice is still accurate. There is no need for you to contact us unless you need to make an amendment to your renewal.
• Manual Renewal:
  If your policy is not on automatic renewal you will be informed of this on your renewal letter. In order to renew your policy you should contact us on the telephone number provided before your renewal date.

If you would like to cancel the policy you have with us please call us. If you cancel your policy before it is due to start we will return any premium you have paid in full. If you cancel your policy within 14 days of the day it is due to start or of the day on which you receive your documents (whichever is later) we will return any premium you have paid less an administration fee of up to $26.50 (inclusive of Insurance Premium Tax where applicable), providing you have not made any claims during that time. If you cancel your policy after that 14 day period we will return any unused premium less an administration fee of up to $26.50 (inclusive of Insurance Premium Tax where applicable), providing you have not made a claim during the current period of insurance.

If you are unfortunate enough to suffer loss or damage to your property and / or its contents, you should report the incident to us as soon as reasonably possible. To report a claim, please contact us.

When reporting a claim please ensure that you have the information to hand:

• Your policy number
• List of items that have been damaged, including the original cost

We will provide alternative accommodation for you over this period. The levels of cover available depend on the product you choose:

• Sun Trust Group Home Insurance provides up to $25,000 under buildings and up to $15,000 under contents.
• Sun Trust Group Premier Cover Home Insurance provides up to $50,000 under buildings and up to $30,000 under contents.

Repairs carried out by our approved repairer network are guaranteed for 12 months.

No. Home Emergency cover must be purchased at the same time as a Sun Trust Group Home Insurance policy. Sun Trust Group Premier Cover Home Insurance includes Home Emergency cover as standard.

Yes, you can add Home Emergency Cover to a Sun Trust Group Home Insurance policy at any time by calling us. Home Emergency Cover is included as standard on a Sun Trust Group Premier Cover Home Insurance policy.