Contents insurance

Add this cover for sudden and unexpected damage to the contents in your home, such as spilling wine on the sofa or knocking over your TV.

• Any excess on your policy
• Damage caused by wear and tear, vermin, insects, fungus, the weather or gradual damage
• Damage caused by water entering the home
• Damage caused by domestic animals

For a full list of events covered and exclusions please read the Accidental Damage Contents section of the policy booklet (PDF, 856KB).

Add this cover to protect your personal belongings wherever you are in the world, with cover between £2,000 and £10,000, and a single item limit of £1,500.

• Any excess on your policy
• Theft from an unattended vehicle – unless covered as specified in your policy
• Damage caused by wear and tear, vermin, insects, fungus, the weather or gradual damage
• Business or professional use of musical instruments, photo and sporting equipment
• Hearing aids
• Pedal cycles

For a full list of what's covered and exclusions please read the Personal Belongs Cover section of the policy booklet (PDF, 856 KB).

• Any excess on your policy
• Any pedal cycles with a motor
• Theft if the pedal cycle is left unattended or unsecured
• Loss or damage to tyres or accessories unless the pedal cycle is stolen or damaged at the same time
• Loss or damage while the pedal cycle is being used for racing or business purposes.

For a full list of what's covered and exclusions please read the Pedal Cycles Cover section of the policy booklet (PDF, 856 KB).

• Any excess on your policy
• Damage excluded in the Contents section of your policy
• Business credit cards, business or personal money
• Certain types of business stock or trade samples eg furs, antiques or works of art

For a full list of what's covered and exclusions please read the Clerical Business Equipment Cover section of the policy booklet (PDF, 856 KB).

Contents insurances will cover you for loss, theft or damage to the contents in your home.

No, it’s not a legal requirement to have contents insurance when you're renting. But, it can help protect your possessions in case they’re lost, stolen or damaged.

No, but you can add accidental damage cover to your policy to cover you for sudden and unexpected damage to the contents in your home, such as spilling wine on the sofa or knocking over your TV.

For a full list of what's covered and exclusions please read the Accidental Damage Contents section of the policy booklet (PDF, 856KB).

If you make a claim, any no claims discount you’ve built up will likely be lost. This means your home insurance premium could increase when you next renew your policy.

If you have a joint buildings and contents policy, you may only lose the no claims discount for the policy you have claimed on.

We class valuables as stamps, coin or medal collections, pictures, other works of art, items of gold, silver or any other precious metals, jewellery, watches and furs.

There's a single item limit of £1,500 so you'll need to let us know about anything valued above that.