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INSURANCE

Your money. Your time. Your home.

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Why do you buy home insurance?

Just in case.

But if disaster strikes, you’re just as likely to lose your stuff whether
you’re insured or not.

Sure, you’ll get a payout – but everyone has something in their home
that they couldn’t bear to lose. What’s yours?

We can help you to actually protect the things in your home that you love.

Train yourself to reduce your risk, improve your safety with deals on smart devices,
and activate the smart tech discount on your premium.

It’s all part of the Locket service.

You’re in charge


Fast, not furious

Quick quotes, instant policy docs and on-demand adjustments. Your cover evolves to suit your lifestyle.

Tech-led prices

The more you protect your home with smart tech, the less you pay.

Learn more

No annual increases

The price you see is the price you get. We don’t lure you in and then hike it up.

Learn more

Exclusive benefits

Access awesome deals and discounts – exclusive to you as a Locket member!


No strings

Try Locket for 14 days. If you don’t like it (and you haven’t made a claim) we’ll give you all your money back.

No fees, no faff

You won’t have to pay to change your policy. Or to cancel it. We’ll even refund you for any time that you haven’t used. (We might need a little time to get over it though.)

Complete confidence

You don’t need a degree in Latin to understand what you’re covered for. Locket policies are written in plain English, and avoid complex legal jargon.


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Building and Contents

Insure your home and your possessions.


Contents

Insure your possessions.

Optional power-ups

BUILDINGS & CONTENTS

CONTENTS

Accidental Damage to Buildings

Expand your cover to include damage to your buildings that you cause accidentally.

Home Emergency

Expand your cover to include damage to your contents that you cause accidentally.

Accidental Damage to Contents

Get emergency assistance from a trusted tradesperson 24/7. Fast, effective help with problems like break-ins, burst pipes and boiler breakdowns.

If you’re involved in a legal dispute, you’ll get help with the costs, access to helplines and more.

Out & About UK

Your policy covers items when they are in your home. This power-up expands that cover to when you take them with you when you’re out and about.

Accidental Damage to Contents

Expand your cover to include damage to your contents that you cause accidentally.

If you’re involved in a legal dispute, you’ll get help with the costs, access to helplines and more.

Personal Items Outside Home (in UK only)

Your policy covers items when they are in your home. This power-up expands that cover to when you take them with you when you’re out and about.

Rated Excellent by
our members.

  • TAKE
    CONTROL

    Join the thousands of people already improving their home protection and reducing their risk with Locket.

    No tech yet? No problem. You don’t need smart devices to get a quote from us, or even to get a good price!

    Once you’re a member, you can access sweet member benefits to start building your protective tech setup with a big discount.

App-First, Paper Last.

That doesn’t mean that we don’t deal in slices of dead tree – it just
means that it’s always our last resort.

Everything about Locket is administered digitally – via our app,
website, and email.

If you need something on headed paper to convince some stuffy
outdated company that you have insurance, we can totally help you
with that. But if not – we ask that you respect the planet, and stay paperless.

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EXAMPLE POLICiES

FAQs

CONTACT US

Read an Example Policy

Insurance policies are often confusing and convoluted, but we’ve kept ours as simple for you to read and understand as possible.

Check out an example below so you know exactly what you’re covered for.

Our policies are living documents – so when you update your cover you’ll instantly be able to access your latest policy docs in the Locket app.

Choose an example policy:

Frequently Asked Questions

With our growing community of members, chances are someone just like you needed an answer to the same question.

Contact Us

Still need some help?

Bring us your questions, comments, compliments, ideas, suggestions, notions, predictions, reflections, ruminations and riddles.