Contents insurance

Our contents insurance covers more than you might expect:

• your belongings are replaced on a 'New for Old' basis with brand new items (except clothes and linen)
• up to 40% No Claim Discount available with the option to protect once the maximum entitlement is reached
• 1/3 off your contents premium when you buy buildings and contents insurance together
• up to 16% online discount*
• 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
• home emergency cover for just 12p in your first year
• 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.

What's more you also benefit from:

• FREE legal expenses insurance, up to £50,000 costs covered
• FREE legal advice helpline
• FREE home emergency helpline.

Contents insurance	Cover
Loss or damage from specific events e.g. fire, theft, storm, flood, subsidence, escape of water etc	Up to the sum insured on contents †
‘New for old’ replacement of items (except linen and clothing)
Theft from domestic outbuildings	Up to £2,000
Accidental damage e.g. spilling paint on a carpet	Optional
Personal and occupier’s liability	Up to £2m plus legal costs
Tenant’s indemnity	Up to 20% of the sum insured on contents
Liability for rent and the cost of alternative accommodation	Up to 20% of the sum insured on contents
Office equipment in the home e.g. computers, office furniture, fax machines, printers	Up to £5,000
High risk items e.g. jewellery, watches, TV’s, camaras (limit of £2,000 per article, pair, set or collection)	Limit selected by you
Personal money in the home	Up to £250
Fraudulent use of credit cards following theft from the home	Up to £250
Contents in the garden	Up to £500
Food in the freezer	Up to £1,000
Replacement external locks following theft of door keys	Up to £500
Accidental damage to computer equipment, TV’s, videos, DVD players etc	**
Accidental breakage of mirrors, fixed glass in furniture and ceramic in hobs
Visitors’ personal belongings (limit per visitor)	Up to £500
Contents temporarily away from the home	Up to 20% of the sum insured on contents*
Student belongings away from the home	Up to £5,000 *
10% increase in the sum insured on contents for family weddings and over the Christmas period
Loss or damage to contents caused during household removal by professional removal contractors	*
Cost of preparing new title deeds due to loss or damage	Up to £500
Loss of oil or metered water	Up to £1,000
Fatal injury in the home	£5,000
Unspecified Personal Possessions cover	Optional
Legal expenses cover	Up to £50,000
Legal advice helpline
HomeRescue Plus cover	Optional
HomeRescue helpline

^† Subject to limits on high risk items, office equipment and domestic outbuildings
^*   Subject to limits on high risk items and office equipment
^**  Subject to limits on high risk items and computer equipment used for business     purposes

We cannot offer you an online quote if:

• the property is not your main residence, e.g. the property is a holiday home, is rented out to tenants or is currently unoccupied
• the property is used for the accommodation of paying guests
• the property has ever been entered by flood waters
• the property has more than 5 bedrooms or is higher than 3 storeys
• your contents (including your personal possessions) are worth more than £100,000
• the property is used for business purposes other than office work, childminding or private tuition
• the property is a mobile home.

However we may still be able to provide you with a quote by phone please call 0845 300 3525. Call charges.

In addition, we cannot offer you an online quote if:

• you or anyone normally living with you have ever been convicted of, or has a prosecution pending in respect of arson, or any other offence involving dishonesty of any kind, e.g. fraud, robbery, theft or handling of stolen goods
• you or anyone normally living with you has been refused insurance or had special conditions imposed
• you or any of the proposers are under 16 years of age
• you are not resident in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.