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Contents Insurance Cover was started to be the one stop resource for people buying or renewing their home contents policy along with those who need to make a claim but are not sure how.
We intend to guide you through contents cover in a comprehensive yet easy to follow manner, breaking the sometimes difficult topics covered by insurance policies down into manageable chunks of information. We will also try our best to give you savings tips so that you can compare contents insurance in the right way and not base your decision solely on price.
It is important to make sure that you get sufficient insurance cover for your possessions to give you that peace of mind in case of damage or loss to something you hold dear. The cost of replacing expensive high value items can be too much for many individuals or households but even the cheapest content home insurance will provide a great deal of protection as standard so we recommend that every home takes out cover even if they do not think it is necessary.
When looking for a contents insurance provider, we recommend choosing one that is a member of the Association of British Insurers (ABI). Members of this organisation account for approximately 90% of the premiums in the domestic UK market and while they do not have to adhere to any rules stricter than those laid out by the law, members are encouraged to uphold the highest standards of customer care.
This site is broken down into 3 main categories each of which contains many articles that may prove useful for those trying to compare home insurance quotes and those who want to make a claim.
What Is Covered?
In this section we try to provide complete coverage for every question you might have as a policyholder or prospective buyer with regards to the coverage provided by a contents insurance policy.
You must be sure to check the conditions set out in the policy details because you may not be covered for everything you think you are. Common questions such as the definition of accidental damage will be answered along with more specific guidance for tenants, landlords, second home owners, and those with an unoccupied property requiring coverage.
Events over the past decade have shown how the risk to your home cannot be underestimated; floods, storms and even tornados have all shown their destructive power in causing millions of pounds worth of damage to properties and their contents. We’ll investigate the extent to which some insurers provide for these circumstances while asking the question whether you might need extra cover if, for example, you live in an area with a high flood risk level.
Buying A Policy
Getting the right contents insurance is not just about what things are covered, there are also points such as whether or not you should buy building and contents insurance together from the same company and how you can get discounts by doing so.
Most policies use the "sum insured" approach meaning you, as the policyholder, have to accurately estimate the value of the main items in your house so that sufficient cover is afforded you. In this respect we will try to provide a simple step-by-step approach to calculating how much contents insurance cover you require.
There will be some discussion on the various payment methods open to you such as cheque, one lump sum and direct debit. Some insurers will insist on one while other will give you the choice and the right option for you depends on your circumstances.
Finally, insuring homes abroad will be touched upon with arguments for and against using foreign insurance companies over UK based ones.
Claims and Switches
The third category provides valuable information about what you need to do when it comes to making a claim on your contents insurance and the process you need to follow.
If you are not entirely happy with your insurance provider and want to switch for this or any other reason, we can help you work out whether or not this is possible.
Further guides in this section include what "new for old" cover really means and occasions where you do not actually have to claim on your policy because of external circumstances.
We are constantly updating and expanding on the topics on this site and our aim is to be the number one source of information for contents and home insurance in the UK. Any reviews on insurers that we make will be impartial and fair with a view to guide consumers and not push them towards one company over another. We actively encourage your own research into insurers including but not limited to talking to friends and family, internet discussions forums and expert advice from personal financial advisers.
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