Once you have given your insurer the approximate value of the contents of your home, they may take into consideration other factors such as whether your home is prone to flooding, or in a high crime rate area and the security measures you have in your home before offering you your premium. This is why we are here to help you get the best value from your insurance, so you get the right deal for you.
If your mobile phone or any electronic device has been damaged due to an event covered under your insurance policy, such as a fire or a water leak, then it will be repaired or replaced. However, if it has been subject to wear or tear, depend on your policy. However, most insurers offer additional cover to help protect your possessions from accident or loss.
We always recommend going through your home and creating an inventory of all your possessions. You can then add up their value and get the combined worth of all of your contents. It is important to remember to give the cost as if they were new, not their current value.
No, but we would always recommend purchasing cover, as the cost to replace your belongings would likely be unaffordable for many. If you are a tenant, your landlord may require you to take our contents insurance as part of your lease or contract.
Most policies will usually include a single item limit. Everything valued below this limit will be covered by your standard insurance policy, but if you have more expensive items, then your insurance provider will offer you additional cover or an extra premium.
