Contents Insurance

Fixed price cover until 2016*

We'll fix the price of your home insurance for 2 years, so instead of your premium going up next year it will stay at the same low price. Compare quotes now from our panel of hand-picked insurers.

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 1,219 reviews)
3 3/5 Sleepy Heads
Also requested car insurance quote, but no response!
5 5/5 excellent
Found this brilliant insurance company.It is so much cheaper than what we have paid before and the cover is better,I cannot believe the company we have been with since we bought the house would try to rip us off year by year.It's our fault, we should have moved the insurance years ago and not paid massive increases.Oh well, you live and eventually learn. If we had stayed with our original insurance company we would have been paying nearly £800 for the year,and we only ever claimed once in 17 years for storm damage occurring when we were on holiday, cracked windows x2 and the tv aerial brought down by the storm!!. This new insurance is better than the old,includes more things and is several hundred quid cheaper, I kid you not.
2 2/5 Impossible to speak to customer services
Simple request so far ignored,can i have policy in writing sent via post
2 2/5 Slow to carry out refund for cancelled policy
I had taken a policy out, but the day before it was due to start, I decided to cancel the policy. I informed Policy Expert via email and to their credit they rang back the following day, after agreeing to cancel the account, I have yet to receive a full refund, nearly 2 weeks later. After ringing their customer services, I was left on hold for an age, only to be transferred to a closed line. I will contacting Policy Expert again Monday to chase up the refund I have yet to receive.
5 5/5 expert advice from friendly staff
I felt confident in proceeding with policy as the company phoned me while I was looking at the quote online. The advisor confirmed all my details, ensuring the information I had provided was accurate and made sure I had got the right cover for my needs. I also received a followup call when I requested written confirmation of my policy which was forwarded promptly. Very happy with service so far!
5 5/5 Policy Expert Insurance
Very easy to use website.
5 5/5 the price I got was so competive. great.
Today we are all looking for value for money ,that's what I got.
5 5/5 good service
would recommend to a friend
5 5/5 Very impressed with the person that I spoke to on the phone.
I have just purchased my home insurance for Policy Expert. I have never heard of them, so I googled the company and they were voted cmpany of the year 2014. I would recommed you get a price from them.
5 5/5 Very satisfied
Was choosing this company from a online comparison company when the phone rang and a lady from the company that I was choosing answered, she took over the tedious form filling for me and made whole experience much easier and also got me a good price. Thank you. Keith.

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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