Contents insurance

Our contents insurance gives you:

• Up to 25% off your home insurance. Introductory discount of up to 25% off your home insurance when you take out buildings and contents cover together under a combined policy. Minimum premiums apply,
• No Claim Discount. No Claim Discount will be applied to your premium dependant upon your claims history. Most customers will receive a 30% discount in their first year, based on new customer data during March 2013.
• Up to 20% lower prices online. if you take out buildings, contents or combined cover online at www.co-operativeinsurance.co.uk – most of our customers receive a 15% discount.
• Up to £50,000 legal expenses cover (in association with Co-operative Legal Services Limited) included as standard.
• An automatic increase in your contents sum insured around religious events or festivals and family weddings, civil ceremonies or birthdays.
• Claims are settled on a 'new for old' basis (except clothing and household linen).
• Four levels of high risk items limits are available to ensure that you have adequate cover for your TVs, personal computers and valuables.
• A choice in the amount you pay towards each claim, with four levels of excess available. The higher the excess you choose the cheaper your premium.
• Cover can be extended to include most types of accidental damage for that extra peace of mind.
• Optional personal possessions insurance – because keeping things safe away from the home is just as important, you can extend your policy to cover your personal possessions when you're out and about.

Exclusions and limitations may apply, please refer to policy documents for full details.

Individual minimum premiums apply to buildings cover and to contents cover. This means the maximum discounts may not be available in all circumstances.

Source: Co-operative Insurance Data, based on new customers during March 2013.