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 3,308 reviews)
5 5/5 Great Service
Nik was excellent providing a competitive renewal quote; very polite and professional. Reading some of the negative reviews below I can honestly say I've never had my arm twisted to renew unlike some insurance companies I could mention. Many thanks guys
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1 1/5 Unable to opt out of automatic renewal
Terrible first experience of this company. I informed them by email that I DO NOT want my policy to automatically renew. I've read reviews here that Policy Expert take payment 1 week BEFORE renewal date. I didn't want to get caught in the same trap. I received an email reply stating that I cannot opt-out of automatic renewal unless I'm within 30 days of the policy lapsing. This is a complete con. It's my money, and I've informed them far enough in advance that I do not want automatic renewal. Why is this so hard for them to process? It'll only be a tick box exercise on their part. If your listening Policy Expert, what will you do to restore my faith in you before I contact the Financial Ombudsman Service? UPDATE: Can you confirm the auto-renewal has been opted out? I haven't received the email you promised following my review posted above. Thank you
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5 5/5 bargain
much cheaper than rivals

4 4/5 Everything went very well and staff very friendly.
The whole telephone call was handled very professionally.

4 4/5 Straightforward and compares well to others
It was just like taking out insurance elsewhere, haven't made a claim so lets hope I don't have to and if I did their service is up to scratch. The separate credit agreement from another company is a bit weird and hope that doesn't lock you in to another year.
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4 4/5 nice and smooth
it was good nice and smooth process and experience

3 3/5 Website needs improving
I couldn't retrieve a copy of my policy. Your website has issues! It would not retain my date of birth and kept reverting to 1 January 1900 as though it was a default. I phoned your number and spoke to a very helpful man who emailed the information. A longish wait on hold beforehand 8-10 minutes. What should have been a simple task took 30 minutes. I will rethink before insuring again with you.
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5 5/5 Very quick, and good price
I recommend this company as they answer you asap, easy to talk too, n fantastic value

5 5/5 Competitive
Easy to renew, competitive pricing and a call centre that has staff who know what they are talking about and not so scripted!!!

5 5/5 Excellent choice
Very good policy in terms of cover. Easy to arrange. Very competitive price.

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

...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

House Insurance Rebuild Costs

Whether you have a mortgage or own your home outright, it's vital that you financially protect yourself against damage occurring to the building.

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.

House Insurance Optional Extras

When you’re buying insurance for a building and its contents, there are also usually optional ‘extras’ on offer which you can add on.

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.

How to Compare Home Insurance Cover

Here’s our guide on how to compare home cover; from preparing for your search, to the key things you should focus on to find the right policy.

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.

Away From Home

Away From Home

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