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. 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.
  • Alternative Accommodation if your home becomes uninhabitable (even if you don’t have Buildings Cover with us).
  • Basic Accidental Damage Cover to protect from mishaps to mirrors, ceramic hobs and glass (such as kitchen cupboards or 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 claim 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.

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 2,065 reviews)
2 2/5 bad customer service
not happy with service provided I asked that my policy documents be sent to me by post 3 times as yet nothing has arrived i wonder weather if i had to make a claim what sort of attention i would be given
5 5/5 Home and Contents Policy
I was amazed at the cost of this insurance its nearly £50.00 cheaper per month then the one we currently have. We appear to be getting cover we require and more for an extremely good price. thankyou
5 5/5 Excellent customer service
I had never heard of Policy Expert and was a little sceptical of using them until I read the reviews online. I normally do everything online but needed to call to clarify something. Was assisted by a lovely guy who was super helpful and, long story short, I ended up completing the purchase over the phone as I couldn't believe the level of cover I was getting for the price. I'm hoping to never need to claim, but if I do will expect the same level of customer care . . . a very happy customer :)
5 5/5 competitive quote
Very competitive and efficient service
5 5/5 Home insurance
The person I spoke to was very helpful and polite. My father was dieing at the time, and has in fact now died, and I wanted to change the policy to solely my mother's name. We were happy with the renewal quote but I was very surprised to be quoted £10 extra to change the name. It was explained that this becomes a new policy. I argued for my 90 year old mother and it was sorted out very quickly and with a good price. So thank you. They seem a very.helpful company.
4 4/5 Great Value! Totally Transparent?
I was an existing Policy Expert customer. When my insurance came up for renewal, I checked the usual comparison sites to see what was on offer. Policy Expert was head and shoulders above all the competition for premium and extras. However, one detail was slightly troubling. The premium calculated through my online search was several pounds less than I was offered in my renewal notice, even thought the details of the policy were the same. Is this yet another example of existing customers being treated less favourably than new ones? Having said that, even the higher renewal figure was better than any of the competition.
4 4/5 On the face of it this was the best insurance I aquired.
This is the first time I have used this company but on the face of it this was the best value and quality quotation I received so I am using this insurer for the next 12 months. I have never claimed from my home insurance company for at least 30 years so I am hoping that I still will not claim and I am hoping that this company will come up trumps if necessary.
5 5/5 very good
when asked to bring the price down they did
5 5/5 excellent service
I would recommend this service anyone very helpful and also cheaper than most
4 4/5 Pretty good
No probes purchasing and downloading documents. When I called to have something added the person was very helpful, waiting for the email with the addition

Home Insurance Claims Reviews

96 %
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

more reviews