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

86%
average customer rating for our service
(from 3,263 reviews)
5 5/5 Easy & straight forward
Easy to use website, everything was straight forward

5 5/5 Value cover
Not needed to claim but covered !

4 4/5 Building and content insurance
The price was excellent and the standard of cover was good. Documents were sent very promptly. The only reason I don't give five stars is that I have no experience of dealing with the company when there is a problem.
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5 5/5 Great Value
Took out this policy as it more than covered what I required at a price that beat all of the competition. Cannot say what they are like dealing with a claim as fortunately I have not had to do so. If I do I will let you know!
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5 5/5 good service/value
a great product at a great price and a person with knowledge able to answer my questions

4 4/5 Great on cost and ease of buying, Not experience the claims side and hope that I never need to.
Renewing my policy with Policy Expert was easy and smooth and quick.. The customer service was excellent with everything fully explained without it sounding as if was coming from a script. Really appreciate the personal touch. Getting the money in is one thing but are they as good at paying it out? If they are then it would be 5 stars without any hesitation.
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5 5/5 Policy Expert House Insurance
I found their policies very competitively priced offering value for money, the policies are clearly set out and the appear to have many positive customer reviews
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5 5/5 Excellent
Great cover at an excellent price

4 4/5 Helpfull staff
Found staff helpful & polite & got my original quote for renewal to match existing policy

5 5/5 Excellent cover, excellent price and excellent service
Extremely satisfied with every aspect of the policy and the service received at renewal was second to none

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

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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!

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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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Home Insurance Guides

Garden Insurance

When making a claim for garden contents, Home Insurance policies often have a greater number of exclusions and limitations.

Gadget Insurance

If your gadgets were stolen or broken, it could potentially have a devastating effect, so its important to make sure you’re properly covered.

Away from Home Cover

If you carry around gadgets and valuables on a regular basis you will need include Away from Home Cover in your Home Insurance.

How much Home Insurance do I need?

Deciding on the levels of insurance you need isn't difficult, you can work it out and sleep easy knowing you’re covered.

Legal Expenses Cover

Legal expenses insurance ensures that if you do get involved in legal proceedings, you’re financially covered for the costs involved.

Protecting your home during Building Works

Many homeowners don’t realise that if they make home improvements in the wrong way they could be completely invalidating their home insurance.

Optional Extras:

Home Emergency

Home Emergency

Boiler broken down? No running water? This cover aims to get an approved tradesperson to you within 2 hours.

Cycle Cover

Cycle Cover

Extends your contents cover to include bicycles away from home or worldwide with Extended Bicycle Cover.