We work alongside some of the leading insurers within the industry:
Contents insurance cover
Contents covers your personal possessions within the home including furniture, TV's, laptops, clothes, jewellery, artwork and even items such as large kitchen appliances like washing machines.
With contents insurance you are covered for:
✔ Loss or damage to contents by fire, flood, storm, theft or other similar causes*
✔ High risk items such as jewellery, watches or paintings can be covered*
✔ New for Old contents cover: replacing your damaged or lost insured item with a brand new one. There are some exceptions, for example clothes*
✔ You can also extend the cover to include personal possessions outside of the home - insure everyday items such as cameras, jewellery, keys, clothing and cash that you and your family take outside the home if they're lost, damaged or stolen, even when on holiday
*Subject to the terms and conditions of this policy booklet.
It's important to get the total value of your contents as accurate as possible - this is the maximum amount the policy will pay out if the contents of your home are completely destroyed. Experts estimate that one in five households could be under insured because they do not know the true value of their home contents - so remember to make sure you go through your house room by room when adding together the total value of your contents, and remember to include things that you might not think about like curtains, carpets, wall light fittings, wall hangings, mirrors, bedding, as well as any collections you have like books, CD's or DVD's.
Some things contents insurance doesn't cover:
✔ General wear and tear
✔ Accidental damage(unless you've included it for all your contents)
✔ Deliberate loss or damage
✔ Items when they're outside your home. For them, you need personal possessions cover