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Home Insurance - Contents Cover Summary

 

There are many various options available for contents insurance. Below is a brief summary of the cover granted by the majority of the insurers that we place our cover with. The list is not exhaustive and full details are available on request and are subject to the terms and conditions of the insurer quoted to you by ourselves.
We'll pay up to your sum insured to replace the contents of your home should they be lost or damaged by a wide range of hazards including theft, fire, and flood. In all cases, policies are set up on a new for old basis. In other words they pay for new items to replace old ones.

In addition, standard cover includes protection against:

  • Accidental damage to TV's, aerials, video recorders, stereos and personal computers
  • Loss and fraudulent use of your credit cards ( limits apply)
  • Deterioration of your freezer contents (limits apply)
  • Replacement locks following the loss or theft of your keys (limits apply)
  • Compensation for a fatal accident due to a fire or assault in your home
  • Accidental damage to ceramic hobs and fixed glass in furniture and mirrors

You can choose to add full accidental damage cover to your policy for an additional premium. This will protect the contents of your home against damage that you, your family or your visitors may cause. This would include accidents such as spilling paint on your carpet or dropping a favourite ornament on the floor.
As well as the option to include accidental damage you can extra premium and include:

  • Pedal cycles
  • Personal belongings
  • Annual Travel

By covering your personal belongings cover for your contents are extended to cover anywhere in the UK as well as up to 60 days abroad. Usually insurers impose an article limit of £1500 otherwise the item has to be specified. This means for example that cover is extended to include

  • Your wedding ring
  • Your golf clubs
  • Your camera
  • Your handbag

For full terms and conditions we will endeavor to advise you as to the policy limits and terms. Please note that most insurers impose an excess of between £50 to £100 for contents claims.

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What ever your Insurance needs call Coverguard now for immediate cover

 

 

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