Contents Insurance

Fixed price cover until 2016*

We'll fix the price of your home insurance for 2 years, so instead of your premium going up next year it will stay at the same low price. Compare quotes now from our panel of hand-picked insurers.

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.

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