Personal Buildings

This protects you if the buildingAll garages and outbuildings, walls (but not dam walls), gates (including gate motors and intercom and security systems), and fences (not hedges), and swimming pools (but not the water or portable swimming pools), swimming pool filters, sauna baths, spa baths, hot tubs, sports courts (but not clay, gravel or grass surfaced sports courts), ornamental ponds or fountains, borehole motors, satellite dishes, irrigation systems, geysers, pipes, solar heating systems, heat pumps, brick, tar or concrete driveways paths or patios on the same premises including fixtures and fittings permanently attached to the buildings. that you own and live in as your private house is damaged. Damage by any of the following: fire, lightning, explosion, water, wind, storm, hail, snow, earthquake, impact to the building, malicious damage, damage caused by thieves getting into or trying to get into your building. We will either reimburse you financially, or appoint a repairer to fix the damage.

We increase the value of your buildings (sum insured) every 12 months.

You’ll also get all of this automatic additional cover:

  • Alterations, additions and improvements to your building.
  • Professional and other rebuilding costs.
  • Essential alterations to your building because you have become permanently or physically disabled.
  • We pay rent and other accommodation after a claim.
  • Accidental damage to water, sewerage, gas, electricity and telecommunication connections that you are legally responsible for.

For a minimal extra monthly premium you can also get cover against subsidenceSinking – ie the vertical downward movement of soil. It includes settlement, which is a lateral movement. , landslipThe sliding down of a mass of land. It is, in effect, a small landslide, and typically occurs on a slope. or heaveThe upward movement of soil supporting the building..

Please note: you cannot take out a Personal Buildings policy unless you have first taken our Household Contents cover.

All cover is subject to the policy terms, conditions and exclusions as stated in the Policy Wording, which you can read here.

You can read the General Section and General provisions here

Please always refer to your policy wording as the final and definitive document that specifies the details of your cover, including what is not covered.


Our range of products will meet all your personal insurance requirements. You can also combine the products to get more inclusive cover for every aspect of your life.

Applying for cover is a streamlined, efficient process with the Infiniti Online system.


We have designed insurance products to cover all aspects of your business operations and risk.

No matter the size of your business, you’ll be able to get the specific insurance cover you need to protect you against loss and ensure that your business continues operating even when the unexpected occurs.


Our motor insurance packages are designed to keep you on the road as simply and efficiently as possible. We offer insurance on all vehicles, covering personal and business use.

From accident insurance to third-party cover – it’s all easily available to you, right here, online.

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Infiniti Insurance Ltd is a registered Short Term Insurer and an Authorised Financial Services Provider.
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