Contents Insurance

Fixed for 2 years*

Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier
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.
You can add on a number of optional extras such as Bicycle Cover, Away from Home Cover and Legal Expenses. We will tailor your policy to give you peace of mind that your valuable items are protected.

Contents Insurance – Standard cover in our policies:

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

Optional Extras:

Here are a few commonly asked questions about Contents Insurance:

How much contents cover do I need?

You should ensure 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, frozen food, linens, clothes, toys, & DVDs etc. Or you can take a room at a time and tot up everything in it.

Benefits of Contents Insurance

Contents Insurance is there to protect your belongings and valuables if the worst should happen. Although there are some items that just cannot be replaced, having contents insurance covers the financial burden of life's unexpected events like a burglary or a fire. Unlike buildings insurance, your mortgage provider will not require you to take out contents insurance but it's a good precaution to avoid having to pay out for everything in your home.

What you'll need to run a quote

  • Your address (type of property, roughly when it was built, number of rooms)
  • General information about your property such as the types of locks used
  • Who lives there, and when are people typically at home
  • How much would it cost to rebuild (we’ll suggest a figure based on your postcode)

Home Insurance Service Reviews

84%
average customer rating for our service
(from 2,721 reviews)
5 5/5 Service
Excellent and very professional service.

4 4/5 pleased
Yes so far i have no problem the test will come later. On this i am not expecting to need you,fingers crossed it will not be necessary.

4 4/5 Generally Excellent service
Overall the service was excellent. Only criticism was that after receiving an email and a letter a few weeks before the renewal date I kept getting phone calls despite confirming during the first call that I was happy with the price quoted and that I was going to renew nearer the renewal date.
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5 5/5 Very professional and efficient
Great customer service, very friendly and professional, great price for renewal and no hassles at all.

4 4/5 Renew policy
Good experience, but would like to be offered best price in the first place instead of the back and frow.

3 3/5 Renew
I received a letter through the post to renew my contents and building insurance at the same price as last year. So I called, nothing had changed except my Wife had changed her jobs. After ansewering questions that you should already know the answer to, the telephone operator gave a different figure of the renew plus £50. I said that can't be right, the letter quotes a different figure. He went away for a few moments and came back with the figure I was quoted on the letter! Why oh why did I have to go through all this!! The call took nearly 20 mins, it could (should?) have taken about 5 mins. Happy with the renew figure.
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5 5/5 Insurance policy
I have had no trouble renewing my policy. No problems and very easy to complete. Thank you.

5 5/5 Excellent customer service
Once again excellent customer service, I have now renewed with this company over a number of years. Rates are always equitable with competitors. Looking forward to another year of insurance protection.
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5 5/5 Home Insurance
Excellent service.

4 4/5 Repeats
We were asked the same questions too many times by different operators, even when we supplied a reference number. We were told that a claim we had made and subsequently withdrawn because it was not to our advantage still stood and increased our premium cost. We are of the opinion that this is wrong and the cost should not be affected. This is, in our opinion, sharp practice.
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Home Insurance Claims Reviews

96%
average customer rating for our claims
(from 25 reviews 1)
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

...more
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!

...more
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

...more
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.

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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.

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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

...more
more reviews

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Optional Extras:

Home Emergency

Home Emergency

Boiler broken down? No running water? This cover aims to get an approved tradesperson to you within 2 hours.

Away From Home

Away From Home

Can protect gadgets like tablets, smartphones and digital cameras, as well as jewellery, watches and glasses.