What is Sky Protect Home & Device Insurance? | Sky Protect Explained

Sky offers a great range of products and services - from TV to broadband and mobile, you can get a lot for your house with Sky.

With all that, you’ll want to make sure you’re protected. That’s where Sky Protect, a brand-new smart home insurance from Sky, comes in.

Find out all about Sky Protect, what it is, how much it costs, and much more and see how it can benefit you as a Sky customer.

What is Sky Protect?

Sky Protect is a smart home insurance product that combines smart home technology with traditional home insurance to offer customers a more comprehensive and proactive approach to protecting your home.

Their home insurance is rated 5 stars by Defaqto and is underwritten by Zurich, a world-leading insurer, so you know you can trust what they’re offering. You can choose to have it cover just contents or buildings and contents.

It also includes as standard:

• Cyber assistance cover
• Home emergency cover
• Legal assistance

Device insurance is also offered which covers your Sky equipment as well as various other devices. This is a separate insurance offering.

What do you get with Sky Protect?

On top of the great home insurance and other standard cover and assistance, Sky Protect customers receive a smart home kit worth £250. The kit includes:

• Video doorbell – See who’s at your door and even speak to them via the app on your phone.
• Indoor camera – Keep an eye out around the house at any time.
• Leak detectors – Monitors for any potential hidden leaks and unwanted water.
• Motion and contact sensors – Monitors the house for any unwanted visitors or anything that moves or opens out of place.

Everything is monitored by the Sky Protect app, so you can get notifications from any of the devices straight to your phone.

Installing the devices is easy to do yourself. Simply put them up where you want/need them, download the app, and then follow the in-app instructions to get them set up and running (a broadband connection is needed for them to work).

As mentioned, along with the smart home kit, you will get three services as standard: home emergency cover, family legal assistance and cyber assistance cover.

Home emergency cover

If you have a home emergency, you can get it fixed with trusted tradespeople who are available 24/7 and covered up to £1000 for temporary fixes and/or repairs.

Family legal assistance

You can get legal costs of up to £50,000 a year covered if a solicitor is appointed for personal legal advice whenever you need it.

Cyber assistance cover

Get cover and support in the event of a cyber attack on your personal devices up to the value of £25,000.

What other features appear on the Sky Protect app?

As well as being able to check in on either the doorbell or indoor camera and get notifications from the sensors, you can also view your insurance policy, get support, and start a claim.

Video clips from the cameras are stored on the cloud for 30 days and can be viewed within the app.

You can also decide what automated notifications you get and can set it up to send emergency alerts to a selected emergency contact without you having to do anything.

How much is Sky Protect each month?

The cost of your Sky Protect home and device insurance varies as it is tailored to you. Some of the criteria that will determine how much it will cost you is:

• Your address and location
• Property type and size
• Type of cover and add-ons

If you’re already a Sky customer, you will save £120 over 24 months with smart home insurance. And that 24-month period is specific as the price you pay is guaranteed to be fixed for that length of time.

With Sky Protect device insurance, you can get cover for as long as you need from £9 a month.

Is Sky Protect worth it?

Smart home devices are the new way forward to keeping you, your family and your household safe and protected. Bundling these products together with fantastic home insurance makes Sky Protect a no-brainer.

Everything you get with home insurance as well as the offering of device insurance shows a great value for money.

How do I get Sky Protect phone insurance?

If you’re a Sky Mobile customer, you can get Sky Protect phone insurance, which is separate from device insurance but is very similar.

You will benefit from accidental damage and breakdown cover and can get unlimited repairs and replacements.

To get a quote, phone the Sky Protect team at 0800 497 0660.

You can also upgrade your mobile insurance to device insurance for just an extra £1 a month and you’ll still have your mobile insured. 

How do I contact Sky Protect?

You can phone Sky’s dedicated UK helpline seven days a week between 8am - 8pm on 0800 597 8531.

Can I cancel Sky Protect at any time?

You are able to cancel your policy at any time, although there are slight differences between cancelling before and after the cooling-off period.

The cooling-off period is 14 days from receipt of your documentation or from the start date of the policy, whichever is later.

Within that time, you can cancel your Sky Protect policy and you will receive a full refund.

After the cooling-off period, you may still cancel your policy; however, you will not receive a refund and the policy will remain in place until the end of the period for which you have already paid.

To cancel your Sky Protect policy, you must call Sky on 0800 561 454. Their call centre is available 9am - 7pm, 365 days a year.

What is the Sky Protect home insurance claim number?

Home insurance claims are made through Zurich Insurance. To make a claim, you can ring their number on 0333 759 5105. Alternatively, you can make a claim online on the Zurich website.

There is a separate number to call to make a claim for home emergency and family legal assistance.

Home emergency claims are handled by AXA Assistance. You can call them on 0333 759 5106.

Family legal assistance claims are handled by ARC Legal Assistance. They are available to call 24 hours a day, seven days a week to discuss any legal or taxation problem occurring within Great Britain. The number to call is 0333 759 5107.

What is the Sky Protect device insurance claim number?

Sky Protect device insurance has a separate number as it is a separate service and policy. The claims are handled by Domestic & General (D&G) and are available to call between 8am - 8pm seven days a week. The number to call is 0333 597 8531.

You can also make claims online by heading to the Sky Protect website, logging into your device insurance account, and selecting repair.

Who provides Sky Protect home insurance?

Sky Protect home insurance is underwritten by Zurich, a world-leading insurer. All claims are made through them, so you can have peace of mind knowing that your policy is in good hands.

Who provides Sky Protect device insurance?

Domestic & General handle claims for Sky Protect device insurance. D&G are experts who insure and repair household products. They serve millions of customers across the UK and have over 9000 engineers who are on hand to help you when you need it.