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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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