What does home contents insurance cover?

Find out what our standard contents insurance normally covers.

A home contents policy normally covers the things in your home, whereas a buildings policy covers the fabric of your home such as the walls and roof.

New for old replacements

Contents insurance covers items in the home on a new for old basis.

Causes of damage to your home

Contents insurance also covers damage from:

  • Fire
  • Lightning
  • Storm
  • Earthquake
  • Subsidence
  • Theft, and
  • Escape of water.

Accidental damage

You can tailor your cover further to your needs to include Accidental Damage cover. This can include damage to TVs and computers, carpets and furniture caused by slips, knocking things over, or even birds coming down the chimney and covering your home in soot!

High-risk items

You can extend your insurance to ensure high-risks items such as jewellery or electronic equipment are covered for theft. If your item is worth more than £1000 you will need to let us know.

What else can you cover?

We offer the following optional extras to select for your policy:

Upgrading your cover

We also offer enhanced cover when you upgrade your contents insurance. Our upgraded cover will give you additional cover for special events, cover for items temporarily removed from your home and protection against loss of metered water or oil. Find out more.

  • Personal possessions cover for items such as your valuables, personal effects and clothing
  • Legal expenses
  • Home emergency upgrade
  • Bike cover
  • Personal money cover
  • Cover for specified items out of the home.

To add any of these to your policy please contact us using one of the options below.

Email us

We'll do our very best to get back to you within 5 days. Due to the high demand we are experiencing, this may take a little longer, however rest assured will we respond to your query.

 

E-mails are not encrypted so please only provide us with the requested information, and we will be back in touch if we require any more information to complete your request.

For security reasons please do not send sensitive information such as bank, debit or credit card details via email. MORE THAN cannot be held responsible for information transmitted in this way.

This field is mandatory and needs to be completed.

This field is mandatory and needs to be completed.

This field is mandatory and needs to be completed.

This field is mandatory and needs to be completed.

You need to provide us with a number for us to call you back on if we need to discuss your policy.

Please enter the best number to call you back on if we need to discuss your policy.

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Please select
Please select
Make a change to my policy
Renew my policy
Cancel my policy
Make a payment
Make a general enquiry
Make a complaint

You need to tell us the main reason for contacting us about your policy.

Please select
Please select
New property address
New postal address
Add or remove cover
My property is not being lived in
New personal details
Add or remove someone
Other - I will provide more information

You need to tell us about the change to your policy.

This field is mandatory and needs to be completed.

You can tell us about a change to your policy up to 30 days in advance. Please don't enter a date in the past or anything over one month in the future.

This field is mandatory and needs to be completed.

This field is mandatory and needs to be completed.

For security reasons. please do not send sensitive information such as bank, debit or credit card details via email. MORE THAN cannot be held responsible for information transmitted in this way.

Contact Us

Phone
Give us a call

If your query is not urgent, please fill in our online form and we will get back to you within 5 days.

0330 100 7783

If you need help securing your home, call our Home Emergency number: 0800 300 684

 

Opening hours

Claims: Monday to Friday, 8am to 7pm and Saturday, 9am to 1pm

Existing customers and sales: Monday to Friday, 8am to 7pm and Saturday, 9am to 5pm

Please note that any charges may apply if you call from your mobile phone. Calls may be recorded and monitored.

Post
Send us a letter

MORE THAN Customer Relations Team
PO Box 255
Wynmondham
NR18 8DP

BUILD: MASTER