Combined Discounts

A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including the optional covers (if selected): Motor burnout and Accidental damage cover.

The combined discount doesn't apply to any flood component of the premium or to the optional cover's Portable contents and Disaster cover (if available and selected). Minimum premiums may apply.

Minimum premiums may apply

Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they' re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges.

Discounts won't apply below the minimum amount payable for the policy.

Combined Discounts

A discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home Insurance policy, including for the following optional covers if selected: Accidental damage and Disaster cover, but not for Portable contents cover. The combined discount doesn't apply to the premium for Flood cover or Landlord policies.

Minimum premiums may apply

Any discounts may be subject to rounding and only apply to the extent that any minimum premium isn't reached. If you're eligible for more than one discount, TIO applies them in a predetermined order. This means the effect of applying any subsequent discount will be reduced. For example, the aggregate effect of applying two discounts consecutively means that you won't see the full benefit of both these discounts.

Discounts don't apply to taxes or government charges.