Starter contents cover

Flexible insurance when you own a bit less

Why pay for cover you don’t need? Our starter contents insurance lets you protect what’s important right now. And you can change your cover if you need to.

Suitable if you’ve just moved into your first home or you don’t have much stuff
Protect your things against loss, theft or damage in the home
Choose the level of cover you need between £2,000 and £15,000

What’s covered

	What you get as standard
Cover for your possessions while they're in your home	Cover if your possessions are lost, stolen or damaged Choose the level of cover you need, from £2,000 to £15,000 – no need to pay for anything you don’t want
Valuable items cover	Protection for your most valuable items, like jewellery, watches and art, up to the contents sum insured Specify single items over £1,000
Cover against damage while you're moving home	Protect your things against mishaps while they’re being transported to your student home, whether by a removal company or if you move them yourself
Replacement locks and keys	We’ll cover the cost of replacement locks if your keys are lost or stolen, keeping your home secure
	Optional extras
Contents accidental damage	Cover for those little accidents that would otherwise cost a fortune to fix, such as spilling red wine on your carpet, knocking the TV off its stand or dropping your laptop or tablet
Protected contents no-claim discount	Allows 2 claims in 5 years without losing your no-claim discount and your premium won’t be affected as a direct result of those claims

What’s not covered
Limits apply to certain things within your starter contents cover, such as a maximum limit we’ll pay out for items in your freezer, or single item cover. These will be set out in the policy schedule. Some things aren’t covered, including:

Motorised vehicles, aircraft, caravans, boats or any other kind of water vehicle

Accidental damage – wider cover is available as an add-on (contents accidental damage) or through gadget, personal items, bike and sports equipment covers

Accidental damage caused by paying guests or when your home is lent, let or sub-let

Certain loss or damage that happens when your home is unoccupied for more than the number of days permitted by the policy

The policy document provides full details of what is and isn’t covered. The list we've shown above is only intended as a guide.

Starter contents cover

What’s covered

What’s not covered

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Starter contents cover

What’s covered

What’s not covered

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