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 1,988 reviews)
2 2/5 Disappointed with email service.
Cannot get into my account even with your help would prefer documents sent by post.
5 5/5 Excellent price on Home Insurance
Had a quote off Policy Expert on a comparison website and was instantly drawn to how much cheaper they were compared to their competitor's. Also added bonus of free accidental cover and legal aid. Very happy customer.
1 1/5 Telephone PAYMENT (when the whole application had been filled in online but the payment froze....) was told to me to be 5 - 10 minutes - I was on the phone for OVER ONE HOUR repeating the same things
I was very upset with the repeated questions that were already answered and online - I had called to ask about finalising payment and a whole new application, new reference number etc was eventually given - even though I did not want this..... I felt this was a real waste of time and money for me on the telephone when all I wanted to do was finalise the payment - I had correctly filled out the application, I know what I had done but still I was questioned again and again for the same things. I was not impressed.
5 5/5 Excellent Service
When you talk to an adviser at Policy Expert they are always really helpful. They explain everything clearly, not the usual gobbledy gook !!! you get from other companies. They have lots of deals and take the time to answer any questions you may have about any of the policies. You do not feel rushed. Wouldn't want to go anywhere else.
5 5/5 Becoming a Policy expert customer
I purchased an insurance policy with Policy Expert and it was quick and straight forward.
4 4/5 Very good
Good service more clarity about what the policy includes would be useful.
5 5/5 Excellent professional service
Very easy to complete form on website and very helpful, friendly and knowledgeable advisor.
5 5/5 Quick, efficient and excellent price.
As above with no fuss to complete From Gocompare comparison to choosing the best policy to telephone advice and final price. Thank you Policy Expert. Mike Oakley
5 5/5 I found them very helpful
They were very good everything was done very quick service very good. Got what I wanted without any problem
5 5/5 The right cover for the right price with excellent customer service.
First class customer service advisor who assisted me to pick the policy with the level of cover I required. The cost was very agreeable and, to be honest, surprisingly inexpensive when compared with the renewal demand from my current provider. Very impressed. Philip Styring.

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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