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Contents insurance - Money information, news, tips and links. UK insurance directory.

Contents Insurance

Contents Quotes, Contents Insurance Directory

UK insurance directory listing contents insurance companies, under multiple keywords, search our website for insurance brokers and insurance companies




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Contents Insurance

Contents insurance is required for the non-permanent fixtures and fittings, loose furniture, electrical items, personal items and jewellery or money you have invested in your home. Contents insurance covers you and your family for everything you brought into your home when you first moved in and any new items you have bought since then up to the limits stated in your insurance policy. House contents insurance or household insurance will cover the replacement cost for your possessions damaged, lost or stolen. Some mortgage providers may require that you take your property and contents insurance with them as a condition of having a mortgage.

Normally, there is house insurance or building insurance which covers the physical building enclosure itself and its permanent fixtures and fittings. Contents insurance and home insurance can be combined as one package of insurance or can be taken up separately. The combined insurance package may save you money and is worth investigating.

Some insurance companies provide special offers of free home contents insurance, if you insure your home with them. Other insurance providers may give you up to fifty percent off your home contents insurance if you buy directly online. With comparison sites, there may be as much as fifty companies that provide insurance quotes for your contents. If you are over fifty, search for home contents insurance companies who are giving special discounts. By using the internet it is a good way to compare discounted home insurance cover and obtain contents insurance quotes at the best premiums to suit your budget.

When you receive your contents insurance policy, read the schedule of insurance and the conditions carefully and if it is incorrect, telephone the insurance company immediately. All insurance policies have excesses and exclusions which must also be taken into account. There is normally a statement that the house or your home must be kept in good state of maintenance and repair. Some policies state that they may only pay out in the case of a forced entrance by a thief or burglar. Also check that the insurance covers your possessions as new for old.

The insurance broker or company will ask you for the value of the contents that you want to insure. You can make a list of your contents and place a value against each item room by room. The total value will reflect the insurable sum. To be on the safe side you could add a margin for inflation or new items which you may be buying in the future to the total insurable sum previously calculated.

The broker or insurance company may also ask you about:
• Type of burglar alarm.
• Extent of double glazing.
• Type of locks.
• Any garage contents.
• Freezer cover.
• If anyone works from home.
• Is the house going to unoccupied for a long period.
• If there are any relatives or tenants living in the house. For tenants, there may be a need to investigate landlord insurance.

There are many providers of home contents insurance and quotes are easily available to suit your individual circumstances.

Money saving Tips for Contents Insurance

  • Combined building and contents insurance may be a money saver, also compare building and contents insurance as a separate policy premiums.
  • Do a bit of negotiating.
  • Don't obscure your house due to trees and bushes as thieves may think it is an easy target.
  • Fit smoke alarms and have fire extinguishers near the kitchen.
  • Have a neighbour hood watch scheme sticker in the window.
  • Keep claims to a minimum.
  • Keep items in a lockable safe.
  • Keep trees away from your property.
  • Keep you prior claims to a minimum.
  • Leave enough time to consider you insurance police terms or other contractual terms carefully, best not take the first offer.
  • Make sure that windows have locks and doors have deadlocks
    which can only be opened with a key.
  • Obtain a few different quotations with different excess limits.
  • Obtain a good security alarm system.
  • Over-insuring may increase your premium.
  • Pay yearly rather than monthly to save.
  • Replace locks to a new house or a property you are moving into or renting.
  • Smoking, drinking and keeping pets may affect the premiums.
  • The internet is a good source for quickly getting quotes.
  • Think about claiming for minor issues.
  • Trim trees and bushes regularly.
  • Use a safe in the house for your valuables and other high value items should be stored at the bank.
  • Water pipes should be lagged and know where the water stop tap
    is - turn off the water if away from the house for a long period.
  • Your mortgage provider may have higher charges for home insurance.

Contents insurance

Contents insurance although not a legal requirement normally covers for non-permanent items such as:
•    Electrical items (television, fridge, freezer, computer, cameras
•    Furniture and carpets
•    Jewellery and small amount of cash
•    Clothes and shoes
•    Bicycles

High value items subject to accidental damage over a certain amount will carry an additional premium.

Cover is available fo such events as theft, lighting, hurricanes, flooding and storms.

Look at the keyfacts for the policy and recognise the possible exclusions and standard inclusions. Make a comparison list if you have time and ensure that you are well covered.

Make sure you choose the right insurance such as:
•    New for old.
•    Current worth.
The value of your contents can be estimated by building up a list room by room and expensive items should be listed separately such as camcorders, televisions, jewellery, etc, antiques may require specialist valuations.

If any of the contents will be travelling with you the a different premium and policy will apply or separate insurance will be needed when you are travelling.

Varying the excess will alter the premium you are willing to pay.
The insurance company will require your personal details before the contents insurance application can be processed. Once your application has been approved ensure that all

details are correct and that you have understood all the terms and conditions. File away in a safe place these documents for further reference in the future.

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