Contents cover

Contents insurance

Replacing your possessions could be surprisingly expensive. That’s why our contents insurance offers an unlimited amount to cover items for theft and damage while they’re in your home.

  • We’ll replace matching items if one of a set is damaged and cover for your valuables like jewellery and watches
  • Buy cover enhancements for extra protection if you need it

The impact of coronavirus on home insurance

During these unprecedented times, we’re continuing to offer home insurance to help support and protect people in a time of need. If you have a policy with us, or if you’re not sure what our home insurance covers, take a look at our FAQs.

What contents insurance does for you

Although 86% of UK homeowners have contents insurance1, it isn’t compulsory. But it’s a good idea in case the unexpected happens. If you know you couldn’t easily replace your possessions if you needed to, contents insurance is there to do it for you. 

What’s covered

Unlimited sum insured2 for your possessions while they’re in your home or garden

Valuable items – up to £20,000 with a further £20,000 available for individual items worth over £2,500 each, while at home

Matching items – unlimited cover to replace a damaged part of a set, like your beloved sofa or dinner set

Excess adjustable to suit you

What's not covered

Accidental damage isn’t standard but you can choose to include it with your contents insurance, or through gadget, bike, personal items and sports equipment cover

Your possessions away from home – choose personal items, gadget, bike and sports equipment cover for insurance when you’re out and about

Damage caused by wear and tear, or any damage that happens gradually

It’s important you understand exactly what is and isn’t covered by contents insurance. The examples we’ve shown above are only intended as a guide – full details are in the policy document.

Why choose us for your contents insurance?

Rated by our customers

Last updated on 3 June 2020. Based on 1,163 reviews comprising 720 renewals, 267 new customers and 176 claims.

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Only pay for what you need

Our cover’s designed so you only pay for what you need – choose contents or starter contents, then tailor your policy with a range of specialised cover. If your needs change, you can change your cover without any admin fees.

Defaqto, expert rated Home Insurance, for 2018.

Pay monthly for no extra cost

Spread your payments over 12 months without paying a penny extra.

Consumer intelligence, customer service and consumer trust award, for 2018. Voted by householders.

You’re in safe hands

Our UK-based claims team is available all day, every day. In 2019, we paid 98% of contents claims submitted3

Great for renters

If you rent your home, don't assume your landlord will insure your contents.

Having contents insurance means your possessions are covered against theft, vandalism, fire or water damage. You can also add cover to protect against damage caused accidentally.

Other contents options

Starter contents

You might not need unlimited contents cover if you don’t have lots of possessions. Our starter contents is great if you need less cover – and you can increase it at any time as your needs change, with no admin fees.

Want something different?

We also offer standalone insurance for bike, sports equipment, gadget (only available with contents), personal items, home emergency and legal services, which you can add to your policy or buy separately.

Barclays Premium Home Insurance

Provided by Hiscox, our most comprehensive level of home insurance for Premier customers, with jewellery, watches, art and collections covered as standard.

Your guide to contents insurance

A general guide to insuring your possessions at home.

Already insured with us?

Already got a quote?

See or amend your quote or buy your policy.

Manage your policy online

It’s quick and easy to do both of these online. If you’d prefer to speak to someone about a claim, our UK-based claims team is available all day, every day.

More reasons to insure with us

  • Get more in your wallet with Barclays Blue Rewards4
  • Switch to us and we’ll refund your cancellation fees5

Further help

Contact us

0800 015 0246 6

Monday to Friday, 8am to 10pm
Saturday, 8am to 6pm
Sunday and bank holidays, 10am to 4pm

Bike offer terms, conditions and exclusions

a. Valid for quotes between 25 June 2020 to 9 August 2020 where the policy starts within 90 days of the quote date. Quotes amended after 9 August 2020 are no longer eligible.

b. Offer available to new home insurance customers only.

c. To be eligible, the policy must include

  • Buildings, contents or starter contents cover and
  • Bike cover

d. You’ll be eligible to receive a credit for the cost of your bike cover once your policy has been live for 90 days. You must continue to make your premium payments for the policy, which won’t change as a result of the credit.

e. Once the policy’s been live for 90 days, the insurer, Gresham Insurance Company Limited, will credit the cost of bike cover back to you within 30 working days. If you’ve paid by Direct Debit, the credit will be made back to the same account. If you’ve paid by credit or debit card we’ll contact you to confirm the bank account you’d like us to credit. If we’re unable to contact you or don’t hear from you, we’ll send you a cheque.

f. If you remove buildings, contents or bike cover within 90 days of your policy start date, you won’t be eligible for the bike cover credit.

g. If you’re renewing an existing policy, you’re not eligible for this offer.

h. Offer excludes bike, personal items, gadget, sports equipment, legal services and home emergency cover when bought on a standalone basis, landlord cover and Premium Home Insurance.

i. Policies cancelled within 14 days of the start date or with unpaid premiums won’t be eligible.

We may withdraw or amend this offer at any time. Promoted by Barclays Insurance Services Company Limited. Registered office: 1 Churchill Place, London E14 5HP.