What does contents insurance cover?
Contents insurance covers household goods including garden machinery, high risk items and personal effects (items of a personal nature such as clothing and wheelchairs) all owned by you, your family and resident domestic staff or for which you or your family are legally responsible.
Contents Private Residence Cover
Covers contents in the private residence, including contents in integral or attached garages and attached conservatories.
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Contents In Outbuildings And In The Open Cover
Covers for loss of or damage to the contents of your garages, greenhouses, sheds, summer houses and other similar structures when they are detached from the private residence and within the grounds of your home and for which you are legally responsible as well as loss of or damage to the contents in the open within the boundaries of your home.
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Contents Accidental Damage Cover
Covers against accidental damage (caused by accidents which are not expected and not deliberate) to the contents of your private residence.
To cover the contents of your outbuildings and contents in the open against accidental damage you'll need to select both Contents Accidental Damage Cover and Contents In Outbuildings And In The Open Cover.
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Personal Belongings Away From The Home Cover
Personal items worn, used or carried by you or your family in everyday life. The item must be owned by or be the legal responsibility of you or your family.
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Pedal Cycle Cover
Covers loss of or damage, including accidental damage, to pedal cycles and their accessories belonging to you or your family or for which you or your family are legally responsible. Covers your pedal cycles while kept within the boundaries of your home and when away from the home.
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Students’ Contents Away From Home Cover
Contents in university halls of residence or rented student accommodation in the British Isles belonging to you or your family when in full time further or higher education.
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Contents Replacement of Sets Cover - ;Included as standard with Home Insurance Comprehensive
If you make a successful contents claim for an item which forms part of a matching set or suite, we will pay for the cost of replacing or changing any associated undamaged item of the matching set or suite when a reasonable match can’t be found.
On settlement of your claim we may ask you to give us any damaged or undamaged items for which the claim has been accepted.
Find out more about Contents Replacement of Sets Cover
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