Contents Insurance

Fixed price cover until 2016*

Primo Insurance from Policy Expert. 5 Star rated by Defaqto
Primo Insurance
Contents Insurance covers your belongings if they are stolen, lost or damaged due to a variety of factors such as flood, fire or a break-in. We don’t assume to know exactly what you own so have designed a range of flexible options to give you control. If you’ve got any suggestions on how make these better, please tell us – we’re listening.

What's covered in our Contents Insurance policies?

What's covered in our Contents Insurance:

Check our Policy Documents for full details as they differ by insurer.

  • Cover for everything you keep in your home – choose your amount up to £100,000.
  • Valuables and high risk items cover provided as standard (total limits apply ranging from £10,000 to £30,000). No need to specify items worth less than £2,000 and you can cover individual items worth up to £15,000.
  • Basic Accidental Damage Cover to protect from mishaps to mirrors, ceramic hobs and glass (such as kitchen cupboard or oven doors and glass topped tables). Some policies will cover damage to TVs, desktop PCs and games consoles as standard too.
  • Alternative Accommodation if your home becomes uninhabitable (even if you don’t have Buildings Cover with us).

Optional Extras

  • Extend your Accidental Damage Cover for total protection for all your belongings for e.g. dropping a vase or spillages on sofas.
  • Add Bicycle Cover for up to 4 bikes.
  • Add Away from the Home Cover for certain personal possessions, including valuables.
  • Consider Legal Expenses Insurance and Home Emergency Cover as Optional Extras.

Some common Contents Insurance questions from our policyholders:

Q.What’s a valuable or high risk item?

A. The definition of a valuable can vary slightly so it’s best to check your Policy Documents. In general it includes all jewellery, watches, collections of stamps, coins and medals, all items containing gold and other precious metals, cameras, furs, paintings and other works of art.

Q.How much cover do I need?

A. You need to make sure you have enough cover for all items kept in your home. We suggest you make a list of all the most expensive things you own and then add on an amount to cover smaller items such as furniture, kitchen contents, linens, clothes, toys, & DVDs etc. Or you can take a room at a time and tot up everything in it.

Q.Why should I consider buying Contents & Buildings Cover together?

A. Most insurers offer a discount if you purchase Buildings & Contents cover as part of a combined policy, so it’s usually considerably cheaper to buy them together from one provider. This also means you can avoid a claim situation where you potentially have to pay two lots of excess (the 'excess' is first part of a claim paid by the insured).

And as well as being cheaper than buying the two types of cover separately, it makes things easier at renewal time as you only have to consider one quote per provider when shopping around and comparing deals, and you'll only be dealing with one insurer if you do have to make a claim.

Home Insurance Service Reviews

average customer rating for our service
(from 1,312 reviews)
3 3/5 home insurance
Received legal & emergency documents .Still to receive building & contents documents. Are they in the post ?
5 5/5 very pleased with the advice and prices quoted by your advisor who was very polite and helpful
excellent customer service and good value for money
5 5/5 The service
Happy with service and telephone interaction
4 4/5 Waiting and waiting and waiting and even more waiting
I had no problem sorting out my house insurance and found the staff very user friendly.My main problem was the time I had to wait for someone to talk to.My first call lasted almost 12 minutes before I put the phone down.My second call got to 5 minutes before I finally got to speak to a human being and if I had to wait much longer you would have lost my custom FOREVER. However,like I said, other than this I got my policy and had a very nice man eventually!! It makes you wonder though, how much custom you lose how many people hang up and never come back
5 5/5 First Class Service
Ive been using Policy Expert for a number of years now and have always found the staff knowledgeable, courteous, and very helpful and would recommend them without hesitation.
3 3/5 Lack of regard for the rules
I found Policy Expert through a comparison search on Money Supermarket, my comparison engine of choice (but after this maybe not). I made sure I did not check the box that said my details would be passed to the top few companies to contact me directly but before I had even clicked through to complete the on-line application Policy Expert rang me. The person I spoke to was very understanding, apologetic and helpful to the extent that I still purchased the insurance. The policy itself seems very good value but until I need to claim I can't say if this is a good company or not. I guess I should not be too surprised should I need to make a claim and they turn out to be poor but then again in my experience the insurance industry as a whole is almost a disreputable as our banking industry so even much more expensive policies can disappoint.
4 4/5 Very helpful service
Found the sales chap extremely helpful and understanding. He quickly grasped my situation, on behalf of my mother, and made things a lot easier. Bit of a cheekie chappie but was a delight and knew his stuff.
5 5/5 insurance quote
Excellent customer service!
5 5/5 Easy excellent service
Easy to fill in on line. Policy came through very quickly. Very simple and easy to understand.
5 5/5 home and contents insurance
very straight forward to apply for excellent service over the telephone

Home Insurance Claims Reviews

average customer rating for our claims
(from 25 reviews)
5 5/5 First Class!

I would like to thank you for your communication with me over this claim.
I think the attention you have paid to my claim has been first class.
Thank you again

5 5/5 A personal thank you…

Just a short note to say a personal thank you for your prompt attention to my claim.
I am impressed by the willing attention to all matters leading to a prompt conclusion. Funds received today!

5 5/5 The service was outstanding

The service was outstanding from reporting the issue to resolving it last night. Can’t thank you enough.

5 5/5 Wow!

Wow! I’m so impressed! I never imagined this would be so straight forward, thank you so much for brilliant service

4 4/5 Quick response

This has been a very traumatic time which has been made easier with your quick response and efficiency. I really can’t thank you enough

5 5/5 Swift help and concern

Thank you for your swift help and concern, I really appreciates it and have been with this insurance for a few years and I’m pleased with everything that’s been dealt with

4 4/5 We can not thank you enough

We can not thank you enough for all your assistance and help

5 5/5 Policy Expert will always look after us

We want to thank Roy and all others at Trinity Claims Team who may be involved for the excellent service which we have received throughout the process of our claim.

There has been common sense, politeness, good will and fairness all the way.
And it has been carried out with speed too. Many many thanks.

Our house is now back to normal and we feel confident that Policy Expert will always look after us.

5 5/5 First ever claim

I’d also like to take this chance to say how overwhelmed I am with the speed with which you have dealt with my claim and the extraordinary level of customer service offered to me. This is the first time I’ve had to claim on my insurance and I’d like to say a special thank you to yourself, Toby and Alexia for making this process so much easier than I thought it would be.

4 4/5 Friendly and efficient

Just wanted to say thank you for your friendly and efficient handling our call this morning following our fire.
It was a frightening experience for us but you certainly helped.
Once again, thank you

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