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|
|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|
|Accidental damage for contents - to TV's, computers and stereo's. Includes accidental breakage of mirrors and fixed glass in furniture.|
Additional cover options
|Extended accidental damage for contents - like spilling red wine on your carpet.||Additional cover options|
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.
These examples are only a brief list of your cover and exclusions. For more details of what is and isn’t covered, please read our home insurance essentials policy summary (PDF: 719KB) and our home insurance extra policy summary (PDF: 1.71MB). For full details please read our home insurance essentials policy document (PDF: 1.1MB) and our home insurance extra policy document (PDF: 1.16MB).
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Do you have home contents worth more than £80,000? High value individual items? Enhanced is ideal for higher value homes and possessions.
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