Cover for the things you own
- Up to £75,000 as standard for the contents of your home
- This protects you against loss, damage or theft of your belongings. It’ll cover things like your TV, removable furnishings, and valuables.
- Accidental damage to technology
- Accidents happen so as standard we provide cover for some accidental damage. This covers TVs, audio equipment, desktop personal computers and games consoles.
- Up to £1,000 to replace your locks and/or keys if they are lost, damaged or stolen
- Lost your keys or had them stolen outside of your home? We'll pay the cost of replacing and installing locks on outside doors.
- Rent and alternative accommodation
- Can't live in your home because of damage that's covered by your policy? We'll provide up to £15,000 for alternative accommodation for you, your family and your pets.
What is contents insurance?
It covers the cost of replacing or repairing possessions if they're damaged, destroyed or stolen while they're inside your home.
Contents are things you'd take with you if you moved home. Including your furniture, kitchen appliances, curtains, bedding, clothing, television, computing equipment and jewellery.
Whether you own a home or rent, it's one of the best ways to protect your belongings.
What does contents insurance cover?
| What’s covered | Limits |
|---|---|
| Contents sum insured | £75,000 (can be extended to £100,000) |
| Valuables in the home | £20,000 (£2,500 per item) |
| Accidental damage to tech equipment | £75,000 |
| Students’ belongings away from the home | £5,000 (£1,000 per item) |
| Theft from secured outbuildings and garages | £3,000 per outbuilding (total limit of £5,000) |
| Garden cover | £1,000 |
| Replacement locks and keys | £1,000 |
| Your public and personal legal responsibilities | £2 million |
| Your legal responsibility for domestic employees | £10 million |
What’s not covered?
- Damage or breakdown due to wear and tear
- Loss or damage caused as a result of electrical or mechanical breakdown
- The excess shown in your statement of insurance
- Damage caused deliberately or by pets
Terms and exclusions apply. Check the Home Insurance Policy Wording for all the info.
View Home Insurance Policy Wording Link opens in a new windowHelpful info
The following docs explain the main features of our policies:
Tailor your contents insurance
Build a policy that suits your needs with additional extras. They will add to the cost of your policy but also adds extra peace of mind.
| Extra cover options | Limits |
|---|---|
| Contents accidental damage | £75,000 (can be extended to £100,000 to match your content sum insured) |
| Mobile phone | Specified amount per item |
| Bicycles | Specified amount per item |
| High risk property | Specified amount per item |
| Personal belongings | £2,000 to £10,000 |
| Legal expenses | £150,000 per year |
This covers unexpected accidents. Like a cracked glass tabletop or spilling red wine on the carpet.
Examples of what's not covered:
- loss or damage to money
- loss or damage to sports equipment when it is being used
Mobile phones regardless of value are covered for loss or damage as standard within the home.
If you add personal belongings any mobile phones up to £500 are covered out of the home.
Optional mobile phone cover provides cover for mobile phones that are worth over £500.
Bicycles regardless of value are covered for loss or damage as standard within the home.
If you add personal belongings any bicycles worth up to £1,000 are covered. This is away from home or up to 60 days outside of Europe.
Optional bicycle cover provides cover for bikes that are worth over £1,000.
This is designed to cover you for theft, loss, or damage to individual items at home and away that are valued at over £2,500.
You need to specify these items in the personal belongings section to ensure they are fully covered.
The total amount that can be covered for high-risk items is £20,000.
Items you take outside your home are not covered automatically for loss, theft or damage.
If you want to insure items worth less than £2,500 outside your home, for example jewellery or laptops, you'll need to add personal belongings cover. This covers items worn, used or carried by you or your family in daily life against loss or damage. This includes when you're away from the home.
There is a limit per item of £2,500. Individual limits also apply for mobile phones (£500), personal money (£750), bicycles (£1,000) and credit cards (£1,000). To cover items with a value above these limits, they'll need to be specified on your policy under the ‘High risk property’ option.
Examples of what's not covered:
- loss or damage caused by theft or attempted theft from an unattended motor vehicle
- loss within the home to items which are not high-risk property
Be prepared for unexpected home emergency repairs with this optional cover.
Our 24/7 emergency cover protects you with up to £1,500 in costs (inc VAT), with no excess. It's for those unexpected events like a boiler breakdown, a blocked drain or a burst pipe.
Examples of what's not covered:
- blocked toilets or drains where the cause is a result of misuse or the internal workings of the flush
- boilers that are over 15 years old
This provides you and your family up to £150,000 to cover a range of legal help and support. It protects you against the costs of being sued or having to make a claim against someone else for things like:
- employment disputes
- personal injury
- property issues
Examples of what's not covered:
- incidents that started before the policy
- claims relating to anyone you live with, or have lived with previously
Ready to get a quote?
Unlock a 5-star quote online in under a minute*.
Or call our team on 0330 912 8820. We're here Monday to Friday, 9am to 5pm.
*100% of 166 customers tested took less than 60 seconds to get a quote