Contents Insurance

Fixed price cover until 2017*

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 1,825 reviews)
5 5/5 Well worth having
Originally phoned for a quote and received one which was very high compared with my renewal so was pleasantly surprised to find your quotes online were among the cheapest for quality cover on building and contents cover, the call centre staff were very helpful so would recommend Policy Expert for your insurance needs
4 4/5 telephone
when this company contacted me they were polite informative and very througher although it took a while to go through it all I did feel they were doing it for my comfort as a new customer I can't comment on anything else but will do so gladly once I have more info on how they perform
5 5/5 New policy
I found the questions not too tedious yet felt they were thorough. Being able to access the service quite late Sunday evening was also beneficial to me. I found the cover I require and at a very reasonable price. Thank you Policy Expert.
5 5/5 Unbeatable with all the trimmings
I found policy expert through, it wasn't my cheapest quote but seemed to tick a lot of boxes so I enquired further. Quick phone answering (I hang up after 2 minutes waiting) so off to a good start. Rep was easy to talk to and no noisy call centre in background, tweaked the quote to personalise further, seemed to offer top levels of cover with great added extras like the key scheme for not very much money and gave a number for if I needed to ring back (which I did, partly just to see if I'd dropped lucky first time round) Again, answered quickly, helpful member of staff, query answered easily. Docs arrived by email. All good. Seems almost too good to be true, what's the catch?
5 5/5 House renewal
Good service, person on phone very good, covered all questions asked.
4 4/5 Bought a policy
All I've done is buy a buildings and contents insurance policy via moneysupermarket. Seems good value but proof of that is only when you have to make a claim and I hope I don't have to.
5 5/5 Helpful service from the start
II was given very helpful advice from a very attentive Customer Advisor. He offered a number of options, of which he carefully explained each and every one.
3 3/5 insurance
I think it would be better if you automatically sent the policy documents by email!!
Very quick and easy to add the cover you require didnt take very long to set up a policy and a at a very competitive price thank you
5 5/5 Quick, efficient, no hassle.
Found via the compare website. Clear policy details, no hidden charges. Quick and easy to set up.

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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