Setting up insurance for your home
Contents insurance protects your valuable items financially in case of theft, fire or other possible loss or damages. Here’s everything you need to know to find the best content insurance plan for you.
Do I need contents insurance?
Contents insurance isn’t a legal requirement in the UK, but that doesn’t mean you don’t need to protect your possessions.
Think of the value of everything in your home. Clothes, shoes, jewellery, electronics, musical instruments, sports equipment, appliances – could you replace them if the worst was to happen?
Contents insurance protects your valuables from theft, flood, fire and more. Plus, if an emergency at your home effects your neighbours, you won’t be liable for the damage.
About 50% of UK households do not have a contents insurance policy. This means no protection for their valuables in the event of an emergency.
What does contents insurance cover?
Theft
Get reimbursed for your items if they’re stolen, and repair any damages from the attempt.
Fire
Get reimbursed for your valuables damaged by fire or smoke.
Flood
Get reimbursed for damage to your possessions, furniture and carpets.
Natural disasters
Get reimbursed for damage from lightning, strong winds and more.
How much does contents insurance cost?
The average cost of a contents insurance policy in the UK is £132 a year or £11 a month. The cost to you will depend on the value of your possessions and the excess you’d like on your policy.
Some of the best value contents insurance start at around £60 a year or £5 a month (Urban Jungle).
Is it worth insuring valuables?
The average value of a UK home’s contents is more than £60,000. If you’d struggle to replace your important and valuable items in the event of a disaster, a contents insurance policy is a worthwhile investment.
What doesn’t it cover?
Contents insurance doesn’t cover damage from normal use or wear and tear. Most policies also have a maximum time the property can be left unoccupied, typically 30 days, before the policy no longer applies. Regarding theft, you won’t be protected from theft by deception, so if you let someone into your home willingly your policy won’t apply.
Struggling to find the best deal for you? Sign up with your new address, and we will find the best options for your home – all set up in minutes.
What information do I need to set up contents insurance?
Address
The full address and postcode of the property where you’d like cover.
Safety features
Are there working fire alarms and a burglar alarm? What sort of locks do you have?
Personal details
Your full name, contact phone number and email address.
Property details
You’ll be asked for details about the property size, materials and what’s nearby.
Residency type
Do you own or rent your home, and is it rented furnished or unfurnished?
Contents value
How much (roughly) would it cost to replace everything in your home?
Coverage date
When would you like your policy start? You can usually set it up 30 days in advance.
Your insurance history
Have you had insurance in the past, and how long since you last made a claim?
Does contents insurance cover damages during a house move?
Yes, most contents insurance policies cover damages during your move, provided you hire a professional moving service. However, you should always check your policy to confirm.Â
If this isn’t a part of your policy, you may be able to pay a fee to have that as an add-on, which would usually be cheaper than taking out a complete separate removals insurance.
What is ‘contents in transit?’
Contents in transit refers to the items in your home while you’re in the process of moving. If your policy mentions that it includes contents in transit then you’re covered during your move – just make sure you’re using an approved professional moving service.
Does it cost extra to cover damages during a home move?
Some policies include contents in transit as standard, and some removals companies offer their own insurance for your items. If you need to take a separate policy, the cheapest option is usually to add it to your existing policy.
We work with relocation companies and people migrating to the UK on a daily basis. Sign up now to get recommendations on which insurance provider is best for you.
Damage during transit
Get reimbursed for any damage to your furniture or possessions as they’re being moved.
Theft during home move
Protect any valuable items or cash that you’ll be moving with.
Documents lost during a move
Precious documents or financial bonds and deeds can be difficult to replace.
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