Contents Cover
(If you turn your house upside down, your contents is everything that falls into the roof space!)

 

 

 

 

Contents Insurance Facts

1 in 4 households under estimate the value of their possessions.
1 in 5 has no home contents insurance
6.8 Million British households under insured
£200,000,0000 of home contents at risk
Recent VAT rise means a further 2.5% on the value of contents

The average household has:
£4000 of furniture
£3000 Electrical Items
£2000 White Goods
£1800 Jewellery
£1000 of Curtains
£1200 in Garage and Garden
The average working persons wardrobe is worth £10,000

• Insurable Risks
• Fire, Smoke, Explosion, Lightning, Earthquake
• Riots, Civil Commotion, labour and political disturbances or strikes
• Malicious Damage or Vandalism and Theft or Attempted theft (if occurs at night when in bed must have locked all external door locks and bolts and windows in unoccupied rooms)
• Storm or Flood
• Impact from a vehicle, train, aircraft, falling tree etc
• Subsidence and heave
• Escape of oil or water (£200 Excess applies)
• Theft/Attempted Theft

 

Contents Cover in the Home

• Contents Insurance repairs or replaces your property as new
• Up to £40,000 or £60,000 of cover
• Most we will pay for any single item is £5,000 unless specified on certificate
• If you specify it we will cover up to £15,000
• This doesn’t apply to valuables
• The most we will pay for valuables is £2,000 unless specified
• If you specify it we will cover it up to £15,000
• Contents only PH aren’t covered for items left in car or caravan

Personal Possessions

What are they?
Articles of personal use , usually worn or carried

• Clothing, baggage, articles of personal use, normally carried or worn by you/family.
• Gold & Silver, Jewellery, Glasses, Binoculars, Mobile Phones, pedal cycles, cameras, sports equipment.
• Covered in home, outside home and during travel worldwide for up to 60 days
• We offer up to £10,000 of cover
• Or £15,000 if extra selected

Personal Possessions Limits

• £250 for mobile phones replacement unless specified (proof of purchase)
• £250 for spectacles
• £250 Keys
• £250 for Money
• £500 Credit Cards
• £500 Pedal Cycles 

Must be locked up , not left unattended in public overnight. Are covered to SI in home to SAL £5000.

• £1000 for items left in a motor vehicle
• £1500 pre item for jewellery, watches, gold & Silver items unless specified (We need a receipt/valuation at claim)
• We deduct for wear and tear for clothing
• Contact lenses excluded
• Musical Instruments are excluded.

Excesses and No Claims Bonus

• £50 - £500 Options
• £50, £100, £150, £250, £500
• Default is £100
• Most Internet Insurers have £200 excess and voluntary on top
• Escape of Water Excess £200
• Subsidence £1000
• Up to maximum of 5 years (30%)  no claims discount
• 2 years Introductory discount (15%) for FTB of B&C
• Lose 2 years if you claim and that’s immediate as monthly renewable policy.
• Can be transferred from other insurers

 

Gadgets …. How much cover on offer..

• Laptops –Covered up to SI
• Mobiles – Only covered in Personal Possessions.
• I Pads – In home are covered, outside needs PP cover.
• Cameras – covered under contents in home, away from home cover needs PP cover.