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Contents cover.
Our contents cover is flexible and wide-ranging and provides the level of cover you and your customers would expect from a leading insurer.
If your customer is unsure of the level of contents cover they require, you can help them calculate the value of their possessions using our interactive contents calculator.
Remember to remind your customers that they should insure their contents for what it would cost to replace them with new items, not their second-hand value.
What is and isn't covered?
The table below shows a number of features which are covered as standard under our contents insurance.
For a full list of limitations and exclusions, please refer to the Home Insurance Choices key features (PDF) and Home Insurance Choices policy booklet (PDF).
| What’s included? | Cover/ Limit | Selling point |
|---|---|---|
| £25,000 (increases by £5,000 each year until it reaches the standard option level of £40,000) |
|
| £40,000 £50,000 £60,000 £70,000 |
|
| Up to the limit of £80,000 |
|
| Loss or damage caused by the main perils including fire, smoke, explosion, lightning, earthquake, storm, flood, theft or attempted theft, falling trees and malicious acts or vandalism | ||
| Loss or damage caused by escape of water and leakage of oil | Ask your customer what would happen if their washing machine flooded their kitchen and hall? Would they be able to afford to replace their carpets? | |
| Accidental damage to computers, TVs and stereos. Cover for accidental damage to portable computers and portable televisions is no longer included as standard. If cover is required, your customer will need to insure their items under optional extended accidental damage or, if cover is also required away from the home, under the personal possessions section | ||
| High risk property like jewellery, pictures, works of arts, stamps and coin collections | In total up to 33% of contents sum insured (minimum £14,000) and up to 5% of contents sum insured (minimum £2,000) for a single item, pair or set | |
| Cost of alternative accommodation should your customer need to temporarily move out of their home due to an insured event | Up to 25% of their contents sum insured (minimum £10,000) | Ask your customer what would happen if their home was flooded and uninhabitable? Could they afford to pay for somewhere else to live? Use the Cumbrian floods as an example where some people were forced to move out of their homes for long periods of time |
| Replacement locks and keys if your customer's keys are stolen | Up to £750 | Ask your customer what would happen if their handbag was stolen with their keys in and perhaps details of their address? They can install new locks up to £750 without worrying about the expense |
| Credit card cover if your customer should suffer a loss due to fraud | Up to £5,000 | |
| Personal money in the home | Up to £500 | |
| Freezer contents | Up to £1,000 | |
| Plants in the garden (in pots and containers) | Up to £1,000 | |
| Contents temporarily removed from the home | Cover for contents temporarily removed other than while attending full time education is restricted to 90 consecutive days. Limited to 15% of the contents sum insured subject to a minimum of £7,000 For contents temporarily removed while attending full time education, the 90-day limit does not apply, however there is a limit of £5,000 in total and £1,000 for a single article, pair or set | Do your customers have children that are students living away from the home? If so, they can cover their belongings under their own household insurance |
| Special events cover – a temporary increase in contents sum insured during the period of one month before and one month after a special event such as Christmas or a wedding | Up to 10% extra contents sum insured | If your customer has done their Christmas shopping, it’s likely that there will be lots of presents in the home. What would happen if your customer suffered a burglary but their contents cover wasn’t enough to cover all the presents? |
What isn't covered?
- Loss or damage caused by malicious acts, vandalism, theft, escape of water, leakage of oil, and loss of oil or water, if your customer’s home will be unoccupied for more than 60 consecutive days. There is no cover from the first day the home is not lived in.
- Loss or damage caused by underground water.
- The first £100 of each claim (or in the event of escape of water, the first £250)
For a full list of limitations and exclusions, please refer to the Home Insurance Choices policy booklet (PDF).
Minimum standards of security
In certain circumstances (such as if your customer’s home is in a certain area), we will not cover their contents or personal possessions unless they meet our minimum standards of security. You can find details of these on pages 17 and 18 in the Home Insurance Choices key features (PDF).
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