Contents insurance.

What's covered by our home contents insurance?

With Extra and Essentials, you can choose from two levels of contents insurance to suit your individual needs. Whichever option you choose, you'll still get the same great service from a name you can trust. 

Here's just some of the things that are covered with our Essentials home contents insurance and Extra home contents insurance so you can compare and see what level of cover is right for you. We've also provided a list of what isn't covered by our home contents insurance.

For full details of what is and isn't included in the cover, please download and read the relevant policy documents on the right of this page.

FEATURE	ESSENTIALS COVER	EXTRA COVER
CONTENTS COVER	Sum insured will be estimated, but can be increased	Sum insured will be estimated, but can be increased
Min. compulsory excess	£150	£100
High risk items	Up to 20% of contents sum insured	Up to 33% of contents sum insured (a minimum of £14,000)
High risk single item limit	Up to 5% of your contents sum insured (a minimum of £2,000)	Up to 5% of your contents sum insured (a minimum of £2,000)
Contents in garden	X	£1,000
Credit cards	X	£5,000
Freezer contents	X	£1,000
Special events	X	✓
Standard accidental damage for contents	Optional	✓
Extended accidental damage for contents	X	Optional

What isn't covered by our home contents insurance

• The first £150 for Essentials cover or the first £100 for Extra cover of compulsory excess on each claim plus any voluntary excess if you choose it and an escape of water excess of £250.
• Money stolen from your home unless it was entered by force and violence for both Essentials and Extra cover
• Accidental damage to portable items like video cameras and hand held computer games, unless you've taken out optional contents extended accidental damage or personal possessions cover for Extra, or unless you've taken out optional personal possessions cover for Essentials
• If your home has been unoccupied for more than 60 consecutive days for Extra or 30 days for Essentials, we won't cover loss or damage caused by malicious acts, vandalism, theft, water or oil leaks. 
• The cost of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements for both Essentials and Extra cover.

Important information

Please note that our home insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.

This summary is only a brief guide to your cover and exclusions. For more details of what is and isn’t covered, please read our home insurance essentials key features (PDF: 1286KB) and our home insurance extra key features (PDF: 1484KB). For full details please read our home insurance essentials policy document (PDF: 1776KB) and our home insurance extra policy document (PDF: 2214KB).

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