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 is contents insurance?

Contents insurance protects your personal possessions against events such as flooding, fire, theft or vandalism. It helps towards the cost of repairing or replacing any damaged items, which could otherwise be expensive.

Some companies ask you to specify the amount of cover you need to replace all your contents, leaving you to work this out yourself – we’ve saved you the trouble and offer unlimited cover1.

How much could contents insurance cost?

You could pay as little as £87 or less for your contents insurance (based on 10% of new customers, who took out contents insurance, including optional extras and Insurance Premium Tax, between June and November 2020).

Do I need contents insurance?

If the possessions in your home were destroyed, damaged or stolen, do you know how much it might cost to replace them? It could end up being very expensive. Taking out contents insurance will cover such an unexpected cost and help get you back on your feet. Get a contents insurance quote and protect your belongings.

What does contents insurance cover?

Although 86% of UK homeowners have contents insurance2, 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 insured3 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 [PDF, 642KB].

Why choose us for your contents insurance?

Rated by our customers

Last updated on 18 January 2021. Based on 1,383 reviews comprising 920 renewals, 287 new customers and 176 claims.

See all reviews [PDF, 2.4MB]

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 submitted4

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.

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 Rewards5
  • Switch to us and we’ll refund your cancellation fees6

Further help

Contact us

0800 015 0246 7

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