I don’t have a garden. Why am I being charged for plants, shrubs and garden items?

Standard MORE TH>N home insurance does not include garden cover so you won't be charged extra.

Garden cover is available as an optional extra as part of our contents upgrade and gives you up to £2,000 contents in your garden cover.

So if you have not chosen to add the contents upgrade then you are not being charged for the items in your garden.

Add or remove garden cover

If you have chosen the upgrade and wish to remove it, or if you don't have the upgrade and would like to include it, please contact us using one of the options below.

Contact us

Email or call


Please include your policy number, name and personal contact information and for security reasons, please don't send payment information via email. We’ll respond to your message within 24 hours, Monday to Friday.

Please note that charges may apply if you call from your mobile phone. Calls may be recorded and monitored.

0330 100 7823

Monday to Friday, 8AM to 8PM | Saturday, 9AM to 5PM | Sunday, 9AM to 4PM.