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

average customer rating for our service
(from 3,541 reviews)
5 5/5 Good service!
I rang round a few comparison sites but they were not much cheaper. When I phoned to renew I asked if there was a discount for renewing and they dropped it by 10%, so delighted, very pleasant helpful young man on the phone, would definitely recommend.

5 5/5 A great company
I changed to policy expert and save over £165. I think that says it all.

5 5/5 I was very easy to access the web site
So far things have been very straight forward may it continue.

5 5/5 Very Satisfied
It was a delight to find a company who looks after YOU! The representative was extremely pleasant to talk to and well informed on the various products available, taking the time to find a product to suit YOUR requirements and whats best for YOU. I felt very happy and satisfied after using this company whom, I felt, went out of their way to help me get the best for my budget.

4 4/5 Telephone experiences were really excellent.
Telephone conversations with your representatives were excellent, but policy restrictions and excesses did not suit my requirements.

5 5/5 House insurance
Very helpfull.Lovely manner of lady who talked to me.Cant remember her name.

5 5/5 Excellant service no problems even when they forgot a claim
On the quote you forgot a claim for lost jewelery but you checked it out and found it yes premium went up but I expected that very good service and attention

4 4/5 Insurance renewal
Prompt service

5 5/5 HOme insurance policy
Website easy to understand and straight to the point. Excellent price and choice.

5 5/5 Ease of availability
Signing up was easy and cover for legal aid home emergency was included in the price.

4 4/5 Good value Insurance but shame about the Website
When they get the Website to allow you to change details and review your policy details it would be 5 stars *****

4 4/5 Surprisingly painless experience
having just spoken with my current Insurer (Home & Contents) to find that they would not honour the online quote generated by a Comparison Site, it was almosrt a pleasure to call back to Policy Expert (Lewis Waldron) and spend my long earned Pension income with somebody of reasonable disposition - having gotten through the, unfortunately necessary, T&C spiel. My only complaint concerned the dirge like 'on hold' musak.

Apart from the website not letting me make the changes to my renewal & having to start from scratch over the phone (which was quite time consuming) the service was excellent and a very good price. The only other problem was I didn't receive my online policy as the lady typed my email address wrong even though I did spell it for her twice so another phone call was needed but the lady was very helpful! Would still highly recommend.

5 5/5 Competetive and comprehensive
Quick and easy transaction and saved £80 on the deal. Would recommend

4 4/5 buyinng home insurance
I did it over the phone ,it was made easy and understandable

5 5/5 Policy expert
Great web site /prices and more importantly good cover!

4 4/5 Good value cover, well priced optional extras.
Lower price with better cover than I could get on all the comparison sites. A few language difficulties with the operator who at times spoke her script rather too fast for me to hear clearly. Everything else was straightforward.

5 5/5 Rating
I rate this Company highly and give it 5 stars

5 5/5 House Insurance
Will not hesitate to use again. Excellent.

5 5/5 Excellent service!
Excellent value for money, excellent service!

Home Insurance Claims Reviews

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

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

5 5/5 Polite, helpful and understanding

I would also like to take this opportunity to express my gratitude for the service I have received from you and your team.

On every occasion that I spoke to people they were all polite, helpful and understanding. This has made the difficult event I have had to experience a little easier to deal with

4 4/5 Such a smooth process

I’m really pleased with how easy and smooth the entire process has been. When I come across a company like yours and I do get good customer service, it’s a surprise and a pleasure

5 5/5 Good working practice

Once again I am staggered by your efficiency and good working practice. You may not appreciate just how reassuring it is to feel your insurance company is doing its best to help.
I have passed on your details for when it is time for them to re-new their policy.
Us alike will, because of the way this claim has been handled re-new our policy with you and perhaps look into changing some of our other policies.

5 5/5 Thank you

Thank you for all your help with our claim. You have helped to minimize the stress and sadness this incident has caused.

Many thanks for all your time and understanding on all of this, and thank you for understanding the situation and working so hard on our behalf

5 5/5 Our first insurance claim in 47 years of marriage

Thank you and your colleagues for assisting my claim . Yesterday Martindales installed replacement doors to our satisfaction we have been well supported by your company and in particular the staff throughout our claim. This is our first insurance claim in 47 years of marriage, we thank you all for your care and attention and hope to keep claim free in the future.

more reviews

Home Insurance Guides

No Claims Discount

Building up what’s known as a ‘no claims discount’ means you pay less for your Home Insurance than you would if you didn’t have one.

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.

New for Old Cover

Most home insurance policies offer ‘new for old’ cover as standard for the building you own and its fixtures, fittings and contents.

New Build Home Insurance

New build homes are often more energy efficient, and have brand new kitchens, bathrooms, carpets and have the latest in hi-tech specifications.

Guide to House Insurance small print

It’s vital to take a really close look at the small print when you take out Home Insurance cover to ensure you don't get caught out.

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.

Optional Extras:

Key Cover

Key Cover

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

Away From Home

Away From Home

Can protect gadgets like tablets, smartphones and digital cameras, as well as jewellery, watches and glasses.