What is Covered?

 

Most of your household goods and contents are insured when in your home. Also insured are lost/stolen keys, freezer contents and your own liability to the public. Accidental damage is not covered by this insurance other than detailed under Summary of Cover, however a full Accidental Damage option is available at an additional cost (see table in Cost of Insurance).

 

Insurance against fire, theft, vandalism and water damage

 

Your contents are covered for loss or damage caused by specific events and occurrences.

Full details are given in the policy booklet you receive when you are accepted in to the scheme.

 

 

All your home contents are covered by the policy on a 'new for old' basis, with the exception of linen and clothing which will be replaced at their current cost, less an amount for wear and tear. When you are working out the cost of your insurance, you will need to work out how much it will cost to replace the full contents.