Contents insurance

Contents insurance includes most things that you would usually take with you if you move home, such as furniture, furnishings and personal belongings. You should insure your contents for what it would cost to replace them with new items, not their second hand value.

If you're not sure how much to insure all your possessions for, you can use our handy interactive contents calculator.

Our quote will be based on a sum insured limit of £40,000. However, if this is not enough to replace all your contents, you can select up to £60,000. Please call us for a quote on 0800 027 7161 if the limits are not suitable or if you have over five bedrooms. We may record and monitor calls.

What’s covered by our contents insurance?

As well as great discounts and excellent service, you can be sure we don’t skimp on cover. Here are some of the things that are included as standard with our contents cover. For full details please read the Home Insurance policy (PDF 384KB) or Home Insurance policy key features (PDF 100KB) document.

Contents cover - what's included	Covered?	Limit
Loss / damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism
Escape of water and leakage of oil
New for old (except for clothing more than two years old)
Accidental damage to computers, TVs and stereos
Accidental damage to breakage of fixed glass and mirrors
Cost of alternative accommodation should you need to move out of your home temporarily as a result of an insured event		Up to 25% of sum insured
Replacement locks and keys up to £500 if your keys are stolen		Up to £500
High risk property such as computers, watches jewellery and works of art.		Up to 33% of sum insured in total and 5% of contents sum insured for any one article, pair or set
Business equipment cover – this includes computers, printers, fax machines and other office equipment and furniture		Up to 10% of contents sum insured.
Freezer contents		Up to £500
Fraudulent use of credit cards		Up to £5,000
Property in the open within the boundaries of your home		Up to £1,000
Property in garages and domestic outbuildings		Up to 10% of sum insured for theft or attempted theft
Personal money in the home		Up to £500
Contents temporarily removed from your home – covering possessions you carry with you. For example for students' belongings while they are living away from home		Up to 15% sum insured
Special events cover – a temporary increase of your contents sum insured during the period of one month before and one month after a special event		Up to 10% extra sum insured
Domestic emergency helpline - a 24 hour helpline if, for example, a pipe bursts or a drain blocks. We'll find you a suitable local tradesperson
Legal helpline – for expert advice on all kinds of domestic legal problems, you can call our 24 hour helpline

What isn’t covered by our contents insurance?

• the first £50 of each claim
• wear and tear
• if your home has been empty for more than 40 days when the damage happens, we won’t cover loss or damage from malicious acts, vandalism, theft or water and oil leaks
• money stolen from your home unless it was entered by force
• accidental damage to portable items like video cameras and hand held computer games, unless you’ve taken out extended accidental damage or personal possessions cover
• any more than 10% of your total contents sum insured for losses from your garage or domestic outbuildings from theft or attempted theft

For a full list of what is and isn’t covered and details of cover limits please refer to the Home Insurance policy (PDF 384KB) document.