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 3,395 reviews)
5 5/5 Satisfied customer
First class service, queries answered, problems solved. deal done Thanks

4 4/5 Lets wait and see!
Good price for cover required. Unable to review properly unless a claim is made on the policy (which I hope no claim will be made). That's when a review would be most important and what the prospective policy holders need to see.
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5 5/5 Good service
All communications to date have been fine, no issues at all.

5 5/5 Excellent service
Very competitive rate and fixed for two years. Saves searching for another insurer. Friendly, helpful staff

5 5/5 Really good value
Easy to complete application and fantastic price when compared with others.

5 5/5 Easy to use
The website was easy to use .

5 5/5 Nice an easy
Pleasant advisor.

4 4/5 very pleased
Pleased with service

5 5/5 Excellent, friendly service.
Very competitive quote, friendly telephone operator, brilliant!

5 5/5 home insurance
Good web site competitive prices

5 5/5 great
very easy experience of filling in the application forms

4 4/5 New policy
Can't really comment I have only just set up via internet and policy doesn't start until 12th December, setting up on internet was an easy experience

4 4/5 all good so far
easy to insure with this company. have had no reason to claim so can't comment on their service in this regard. will update if i ever do.

5 5/5 Home Insurance
Got through Go Compare, no fuss and compared no more as others were far more expensive for same thing.

4 4/5 satisfied with renewal quote
I was well satisfied with this years new quote not worth looking around other sites.

4 4/5 Good quality
Quick and easy to take out and then renew

5 5/5 very helpful
your employee was so helpful, I did compare prices with other companies and found a cheaper deal but she was really on the ball and matched my quote, so I was very happy to stay with your company. She was very friendly, helpful and I was very happy with the way she delt with me. I feel she had excellent customer service. Thankyou.
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4 4/5 Home insurance
Easy to use system. I was pleased they did not bump up the cost of renewal like so many companies do.

5 5/5 What a welcome surprise!
At last, a company that values its existing customers just as much as new ones. I usually have to use a comparison site to either move my insurance or use as a bargaining tool to get my existing supplier to reduce their renewal premium. But not this time, the renewal quote was very similar to last years price and with legal insurance thrown in for free it was a no brainier just to let the policy automatically renew. Well done Policy Expert! Ian Offord
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5 5/5 Great value
Having compared house and contents insurance this appeared the best value with included benefits that others were charging much extra for. Although only time and any claims will tell how good a deal it is.
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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

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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

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5 5/5 Polite, helpful and understanding

I would also like to take this opportunity to express my gratitude for the service I have received from you and your team.

On every occasion that I spoke to people they were all polite, helpful and understanding. This has made the difficult event I have had to experience a little easier to deal with

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4 4/5 Such a smooth process

I’m really pleased with how easy and smooth the entire process has been. When I come across a company like yours and I do get good customer service, it’s a surprise and a pleasure

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5 5/5 Good working practice

Once again I am staggered by your efficiency and good working practice. You may not appreciate just how reassuring it is to feel your insurance company is doing its best to help.
I have passed on your details for when it is time for them to re-new their policy.
Us alike will, because of the way this claim has been handled re-new our policy with you and perhaps look into changing some of our other policies.

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5 5/5 Thank you

Thank you for all your help with our claim. You have helped to minimize the stress and sadness this incident has caused.

Many thanks for all your time and understanding on all of this, and thank you for understanding the situation and working so hard on our behalf

...more
5 5/5 Our first insurance claim in 47 years of marriage

Thank you and your colleagues for assisting my claim . Yesterday Martindales installed replacement doors to our satisfaction we have been well supported by your company and in particular the staff throughout our claim. This is our first insurance claim in 47 years of marriage, we thank you all for your care and attention and hope to keep claim free in the future.

...more
more reviews

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Optional Extras:

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