Contents insurance

Your policy schedule will tell you if you have accidental damage cover. Accidental damage is an optional extra on most of our products.

Your mobile phone is covered when you're at home. When you go out, your mobile phone isn't covered as standard.

You can choose to add personal possessions cover for items worth under £2,000 that you take out and about with you. If your item is worth over £2,000, you can add this as a specified item when you get a home insurance quote.

It is your choice. Home contents insurance will cover your belongings against theft, loss or damage. You need to understand if you could afford to replace all your contents if the worst should happen, such as a fire. Check your tenancy agreement to understand if your landlord requires you to take out contents cover. Our guide about renting can help you decide what is the best option for you.

Yes, our contents cover includes theft from the home. Our Standard and Extra policies also covers theft from outbuildings. You're covered up to the limit shown in your policy documents. 

This is not included for Essentials cover.

If any of your belongings are stolen when you take them out of your home, they wouldn't be covered as standard. You'll need to have our personal possessions cover for items you take out of your home. Personal possessions is an optional cover.

Limits apply. 

You may wish to estimate your contents cover. Think about all your items, from furniture to clothes.

Our useful guide about how to calculate your contents can help make sure nothing gets missed.

Yes, we'll cover your personal cash under money in the home if you choose our Standard or Extra cover.

You'll get up to £500 cover with our Standard cover. This goes up to £1,000 if you choose Extra.

It's not included with Essentials cover.

Policy number starts MTHP: Your bicycles are covered if stolen from your home or outbuilding, such as shed or garage. This cover is up to the contents limit shown on your policy. However, if you have a MORE THAN Essentials policy, you won't be covered for theft from your outbuildings or garden. Your bicycles are covered out of the home if you have personal possessions cover. If you’d like to add this cover to your policy, please visit your account.

Policy number starts HI: Your bicycles are covered if stolen from your home or outbuilding, such as shed or garage. This cover is up to the contents limit shown in your policy. Your bicycles are covered out of the home if you added pedal cycle (bicycle) cover to your policy.

There are limits to the amount we cover for each item (called a single article limit). However, you can specify bicycles on your policy that are worth more than this limit.

You may need to specify individual valuables on your home policy. This depends on how much they're worth, and the single article limit on your policy.

Policy number starts MTHP:

Items valued at under £2,000: Your policy includes cover up to £2,000 for each item (single article limit), if lost or stolen from your home. This is the maximum cover that we will pay for a single item or valuable belonging.

Items valued at over £2,000: You need to tell us if you need to cover items valued at over £2,000. Visit your account to add items valued at over £2,000.

Policy number starts HI:

Your policy covers items lost or stolen from your home. They're covered up to the limit shown, whether they're specified or not. Contact us if you need to change the total limit for high-risk items or specify anything worth over the stated limit.