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

85%
average customer rating for our service
(from 3,087 reviews)
5 5/5 Great service
I found the quote on a comparison site but thought i would give them a call because i wanted to check a few things, i found that all of my questons were answered and was even offered an extra insurance for key cover, house and car keys.
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4 4/5 2 yrs fixed price,great!
First year set up was easy and the following year easier because the rate was fixed.

5 5/5 good price home insurance
With all the cover you should require a very clear policy and good communication with company

5 5/5 Great Customer Service
After searching online comparison websites, Policy Expert came up with a good deal. I called and received fantastic customer service and extras thrown in. The price was fantastic as was the customer service. Everything was explained very clearly.
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5 5/5 Great fast service
Great fast service, highly recommended, good policy reasonable value

5 5/5 It was good quick and well priced.
We were looking to renew our home insurance and looked via Go Compare. Policy Expert were not the cheapest on the list but in my view represented the best value because the price included Home Emergency cover and Legal Expenses cover. One of the other companies on the list rang me but admitted they couldn't compete.
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5 5/5 Happy Customer
Great service

3 3/5 Respect for loyalty?
I was disappointed that my original quotation was 8% higher than last year and when I used a comparison site Policy Expert we're offering a price about £20.00 less than my renewal quotation. A telephone call got my premium reduced but I very nearly went to another company. The person I spoke to was very helpful but not totally convincing in his explanation.
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4 4/5 Cheap policy but seems to provide sufficient cover
I must admit I've never heard of this company before but they were the cheapest for the same cover. I've not had any reason to contact them and all my documents are provided online so I can't complain.
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5 5/5 my insurance.
All the staff I had contact with were great and everything went smoothly. Thankyou.

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

...more
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

...more
more reviews

Home Insurance Guides

Subsidence and Home Insurance

This guide should help you understand subsidence better and ensure your home cover is sufficient to protect you against its affects.

Property insurance for Listed Buildings

Properties which are of the ordinary can be a little more difficult and expensive to get home insurance for than standard homes.

Contents Insurance for Tenants

Those who rent nearly always have to provide cover for their own possessions, and tenants insurance provides the financial protection they need.

How to make a Home Insurance Claim

Here’s how you should go about starting a claim and the best possible steps you should follow during a claim to ensure the outcome you want.

Outbuilding Insurance for Sheds

Thousands of pounds worth of items are kept in sheds, from mowers and power tools to sports equipment, bicycles and valuable audio equipment.

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.

Key Cover

Key Cover

Providing round-the-clock protection and support including replacements and locksmith call out charges.

Cycle Cover

Cycle Cover

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