Here are the basics of Contents Insurance, please remember that before committing yourself to any Insurance policy, it is essential to pay particular attention to exactly what is and is not covered.

Contents Insurance could cover:

Wallpaper
Carpets
Furniture
Electrical items
Clothing
Valuables - e.g. Jewellery - This may cost extra

Contents Insurance could cover you against:

Loss
Damage
Theft

The two most common types of Contents Insurance are:

An indemnity policy - This means that your Insurance provider will pay out based on what they believe the current value of a given item is at the time of your claim. In other words, you cannot expect to get a brand new replacement. However, generally an Indemnity policy is cheaper.

A new for old policy - with this type of contents Insurance your Insurance provider will provide you with a brand new replacement of the item you are claiming against. Be aware that this type of Insurance tends to be more expensive.

If you are unsure of exactly how much cover you need or of what you would and would not be covered for, speak to an Independent Financial Adviser for Insurance advice.

Don’t take the risk of purchasing Contents Insurance only to find that you are not covered for the things you need or that you don’t have the right amount of cover, speak to an Independent Financial Adviser.

Getting Insurance advice from an Independent Financial Adviser in your area means you can relax, safe in the knowledge that the things you have worked so hard for are Insured

Find an IFA for Insurance Advice

Contents Insurance - Find an IFA

Contents Insurance