Contents Insurance

Fixed price cover until 2017*

Primo Insurance. 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 1,614 reviews)
5 5/5 Excellent price for home insurance policy.
The best price offered which I never had offered by any home insurance com before. I am very great full to get good insurance policy with comparative price offered. Thanks Hemangini
4 4/5 Lovely friendly start
Found Rosh very helpful and cheerful. He explained everything although would prefer to see all of the policy in black and white as not IT 'savvy'. As we have just joined I cannot give true account, but hopefully will not need your services. If we do I hope that the friendliness and help will continue.
5 5/5 Easy and value for money
Very helpful staff and talked me through everything. Offered and gave me additional discount which was a pleasant surprise as it was already good. Only negative for me was that they took payment on 15th and the policy didn't start until the 2nd.
5 5/5 Home and Contents
1 1/5 A nightmare to cancel!
I decided to cancel my Home buildings and contents policy well within the first 14 day cooling off period. I sent two cancellation emails on two separate days (as advised to do so on the T&C's of the policy) but no response so I decided to call them also. To be fair to them I was given an even better deal to stay with their policy from a very persuasive chap called Lewis from the cancellation team but I had my reasons for cancelling and decided to stick with my decision. He didn't let it go easily and it was getting a bit desperate to be honest for him to keep the business for my liking. I politely said that I appreciated the offer but no thanks and that I would try them out for my car insurance that was also due for renewal soon.That's when the talk from the adviser turned unfriendly, very unprofessional and simply rude. He said to me...."well Mr. Ward, I shouldn't bother getting a car insurance quote from us because we don't want to go to the trouble of setting up policies for people for them to cancel them afterwards". I stopped him there with a confirmation that I had indeed made the correct decision to cancel and WOW, nobody had ever taken that approach upon an attempt to cancel a policy I've held before, not with any company I've ever dealt with. I asked to speak to a superior manager and he told me that 'the buck stops here with him' as he was the most senior person working at that time. I didn't believe that at all and said that I hoped the conversation was being recorded as told to me at the start of the conversation because 'training purposes' were definitely needed here and that I wouldn't be asking them for an insurance quote again. So, all in all, what a disappointment from a company that were oh so friendly when they were getting a 'yes' from me but oh so rude and totally unacceptable (in my opinion) when things were not going their way. Leave this with you to decide for yourself if Policy Expert are the correct choice for you but you've been warned....if you can't easily say 'NO' to someone who is there to put a lot of persuasive pressure on you for the business for god's sake don't say 'Yes' if you feel that you may end up changing your mind cos they'll have ya! Good luck to you all and good riddance to Policy Expert form me!
5 5/5 Satisfaction
It was an easy process to buy home insurance with this company. Great quote, good value. Only issue was with password to enable opening account. This was sorted with one phone call.
5 5/5 First class
Easy to apply, easy to use. No problems at all. First class service. All paperwork sent as stated. Would recommend
5 5/5 Buildings and Contents Insurance
A very helpful and pleasant transaction by phone and a very reasonable price. Would highly recommend.
4 4/5 no printed copy option.
pity that there is no option to get printed copy sent to your home address.
5 5/5 Super service and policy.
I was looking for contents cover for my new house and called up policy expert. The person who served ne (Lewis) was very helpful and set me up with everything I needed. Very satisfied.

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

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