Contents Insurance

Fixed price cover until 2016*

Primo Insurance from Policy Expert. 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 1,251 reviews)
1 1/5 would not recommend :(
I had no problem setting up the policy but as soon as I needed them to help with a claim as part of my ceiling had fallen down due to a leak in my roof, I was shut down. I was told that the wind was not strong enough to be a storm even though it was due to rain that caused the problem. I had asked the lady I spoke to if she could explain what I was covered for on my policy and I was told to read my documents. I was also told that they would not send anyone out to investigate I had to pay for that myself or for me to get up a ladder to my roof myself. I do not feel like anyone wanted to help or even listen to what I was trying to explain. so I have been left with a leak in my roof somewhere and a ceiling that has fallen down. I have never claimed and for my first experience this is not the customer service that I expect and I would not recommend to anyone. I have not find them helpful in anyway.
4 4/5 Slick, quick and to the point
Policy Expert staff were. friendly without being pushy and explained all I needed to know regarding my buildings and house insurance policy. I would recommend them to anyone as their prices are first class.
4 4/5 Does exactly what it says on the tin
I bought my insurance through gocompare website.It displayed free home emergency cover,legals,etc.When i bought it ,the policy expert website didn't show any free add on's under my paper work.I was thinking to call them about this matter but they sent me documents regarding free home emergency cover and legals in an email automatically after 3 days .Panic over :) I am confident now on their policy and it was not a mistake to change my insurer.It will be nice if they inform customers on their webpage that additional feature will take couple of days to show up in policy details.
5 5/5 Service, that's all one asks for
The service I received was first class, with information not delivered at a rate of knots but in a manner that allowed me to both hear and understand. And, the price was very acceptable as well. Regards
2 2/5 contact diifficult
i have tried many times to contact by phone with no luck for details on my new policy after waiting for ages i was advised to request phone back two days later i am still waiting not a good start,hope this is constructive.
5 5/5 brilliant
Delighted with price and all the insurance covered
5 5/5 Just what I needed!
Quick, friendly, language I understand, no hidden agenda, saved £150 as I did not renew with my old provider. Well done and thanks.
5 5/5 They have it covered!
Thorough quick straight forward service. Polite and knowledgable person on end of phone. Refreshing change. Highly recommended.
5 5/5 Brilliant
Fantastic price for home insurance, same cover for much less. Have recommended already, hope you continue your prices and service the same next year.
5 5/5 Quick and easy, freindly and helpful.
I was able to negotiate a better price over the phone, they rang me, although to ring them was an expensive 0870 number, so glad they rang me. Friendly and easy to talk to staff member.

Home Insurance Claims Reviews

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…

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…

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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