Contents Insurance

Three levels of cover with prices from just £44

10% of customers buying our Admiral level Contents Insurance from December 2015 to June 2016 paid less than £44.

Compare our three levels of cover

Admiral has made it easy to get the right level of cover for your contents ‑ you just need to choose from three simple cover packages.

Our great value Contents Insurance package covers the essentials in your home up to £50,000.

Our popular Gold Contents Insurance gives the same great value as Admiral cover but up to £75,000 and with added extras.

Our full-featured Platinum Contents Insurance is for people who demand extra security and peace of mind. Cover up to £150,000.

See what's included

Values shown are the maximum claim limits.

 

Admiral

Admiral
Gold

Admiral
Platinum

Contents Sum Insured
(eligibility criteria applies)

£50K

£75K

£150K

Loss Of Metered Water / Oil

£500

£1,000

£1,500

Money Limit

£150

£300

£500

Replacement Locks / Keys

£250

£500

£1,000

Alternative Accommodation

£10K

£15K

£25K

Occupiers Liability

£1 Million

£2 Million

£2 Million

Legal Liability
(Tenants)

£5K

£10K

£20K

Personal Liability

£1 Million

£2 Million

£2 Million

Freezer Food

£250

£500

£1,000

New For Old
(Excluding clothing)

Yes

Yes

Yes

24 Hour Emergency Helpline

Yes

Yes

Yes

Contents Temporarily Away From Home

No

£5K

£10K

Deeds And Documents

No

£1K

£2K

Celebration Cover

No

£5K

£10K

Theft From Outbuilding

No

£1K

£5K

Garden Contents

No

£1,000

£2,500

Garden Plants

No

£500

£2,500

Digital Information

No

£500

£1,000

Visitor's Belongings

No

£500

£1,000

Office Equipment

No

£5K

£10K

Overseas Travel

No

Europe

Worldwide

Household Removal / Temporary Storage

No

Yes

Yes

Items In A Bank

No

No

£10K

Contents At University

No

No

£3,500

Contents At Nursing Home

No

No

£3,500

Fatal Injury Benefit

No

No

£5K

Employers / Domestic Staff Liability

No

No

£5 Million

Temporary Accommodation Liability

No

No

£2 Million

New Purchases

No

No

Yes

Matching Items

No

No

Yes

Why you need contents insurance

Contents insurance covers your household belongings, things like furniture and clothes, if they are damaged, lost or stolen.

It's not compulsory, but that doesn't mean it should be overlooked, try to imagine what your house would be like empty. Could you replace everything in your home if it was damaged or stolen? Your belongings are what make a house a home - without them, those four walls may seem pretty hollow.

Peace of mind

Property crime accounted for 70% of all police recorded crime in 2013/14, according to the Office for National Statistics.

Home is where we keep our most prized belongings and contents insurance is there to help if anything happens to them.

What is covered by contents insurance?

Contents insurance covers the items you'd take with you if you move, things like:

  • Furniture
  • Clothes
  • Electrical items

If you have items you'd like covered but aren't sure if they can be, just call one of our friendly agents who will be happy to help.

Call us on: 0333 220 2090

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Alternatively our contents calculator can help you work out the value of what you need to cover.

If you take out contents insurance with us, your belongings will be covered for theft, vandalism, fire damage, water damage and even natural events like lightning strikes.

So, if the worst were to happen to your home, your most precious belongings would be covered. Whether expensive or sentimental, we know what matters most to you.

Contents insurance for renters

Getting on the property ladder can be a tricky and expensive business, which is why so many people in the UK choose to rent. But just because you're a tenant rather than a homeowner, doesn't mean house contents insurance isn't for you. In fact, it’s important you protect your belongings.

Your landlord is responsible for ensuring your home has buildings insurance but it's up to you to arrange cover for your possessions. As long as you rent a property alone, with your partner or as a family, you can insure your contents with Admiral Home Insurance. If you are living in shared accommodation please visit our Tenants Insurance page for more information.

Contents or buildings insurance?

Renters only need to worry about contents insurance which covers the belongings inside the property. Those who own their homes, however, will need to consider buildings insurance too - it's often a condition of your mortgage.

Buildings insurance covers everything that's permanently attached - doors, the structure and yes, the kitchen sink too.

While everything you'd pack up to move with you would be covered by a contents insurance policy.

You can also select an Admiral Home Insurance policy which covers both contents and buildings insurance.

Adding up the value of your contents

If want to cover your contents, the most important thing to know is what your belongings are worth.

Adding up the cost of everything you own does sound like a daunting task but it's one that needs to be done if you hope to claim back the right amount for your belongings.

To add up the value of everything in your home, go from room to room and write it down. Be extra careful to make a note of anything with a value of £1,000 or higher to ensure we are able to cover them.

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Contents Calculator

Do you know how much your stuff is worth? Get an idea with our helpful contents calculator.

Calculate

Accidental Damage

Accidental Damage cover is also available to add to your policy. This will cover accidental damage to the contents in your home, such as spilling a drink on your sofa or dropping a laptop. Find out more about accidental damage

Your questions answered

We're sure you'll love our great insurance products but maybe you have a few questions. You can find answers in this section.

Accidental damage?

Admiral offers three types of policy which provide a different amount of cover depending on what you need.

Admiral Platinum provides full cover including:

  • Audiovisual accidental damage
  • Accidental breakage of mirrors or glass
  • Full contents accidental damage

Mobile phone?

Mobile phones are covered up to the amount shown on your policy schedule. We will cover the handset but not mobile phone charges, loss of airtime or any damage caused by liquids.

Engagement rings and expensive jewellery?

Any valuables worth more than £1,000 would need to be specified as part of your policy.

Kitchens?

Fitted kitchens including ceramic hobs are covered under buildings insurance. The contents of your kitchen such as the furniture, dinnerware and furnishings will be covered under your contents.

Do I need to provide proof of ownership for all my possessions?

In some cases proof of valuation or purchase receipt, dated within the last three years, is required within 30 days of the start of your policy. Photocopies or good-quality photographs are acceptable as long as they can be clearly read. They can be sent to us by post or email.

Please ensure that your policy number is noted on any document you send.

Post - FREEPOST EUI LTD
Email - customerservices@admiral.com

Theft?

Yes, all Admiral polices cover theft. For further details please see your policy booklet.

Bikes?

All bicycles under the value of £350 are automatically covered while in the home. If you'd like cover away from the home, or if you have a bike worth more than £350, read our guide on bicycle cover to help you decide which policy offers the best cover for you.

Do renters need contents insurance?

If you own the contents of your home it's your responsibility to insure it. Only the building and permanent fixtures and fittings would be the responsibility of your landlord.

Although contents insurance isn't compulsory, you should ask yourself what you would do if everything you own, such as your clothing, furniture and electrical goods were destroyed. To buy all these items again would be very costly. Contents insurance could be a wise investment to cover yourself in any unexpected events such as:

  • Theft
  • Vandalism
  • Fire damage
  • Water damage

How do I estimate the value of the contents of my home?

In order to take out home contents insurance you will need to know the value of the contents in your home. This value represents the total value of all the possessions in your home including any items in the garden. It does not include any fitted fixtures or fittings such as walls, windows and fitted kitchens (these are covered under your buildings insurance).

To calculate the value of your contents you quite simply add up the value of all the items you own. This amount should be enough to cover all the contents in your home, including any valuables (high risk items) taken away from home or kept in your garage, shed or outbuildings. Use our contents calculator for guidance

To do this go room to room and think of all the items you would take with you if you moved house, including carpets and curtains.

Fixtures and fittings such as bathroom suites and fitted kitchens are covered under buildings insurance so do not need to be included in your contents' total.

What is celebration cover?

The amount of contents cover you have specified in your policy will increase (up to the amount showing in your policy schedule) for 14 days before and after the date of a celebration such as Christmas or other religious festivals, a wedding or the birth of a child. It covers the gifts and food bought for these events.

Carpets?

Yes, carpets fall under our definition of 'contents' and you should include the cost of replacing your carpets when working out the value of your contents. If you want carpets to be covered for accidental damage make sure this has been selected.

Do I need to keep damaged goods for a claim?

Yes, please keep any damaged items in a safe place. We may need to inspect them or need to see them as evidence of proof of ownership which could help us settle your claim faster.

Money?

We will pay for the loss or damage to money in your home up to the limit shown on your policy schedule.

Garage and garden?

Under Admiral Gold and Platinum policies, damage to trees, shrubs, plants and lawns is covered with some exclusion. While we cover your garage contents, restrictions apply in relation to theft from a garage or outbuilding. You can find out more about the restrictions in your policy booklet.

If I move home do I need to get a new contents insurance policy?

It's a condition of your policy that you need to tell us before you move address. Usually we can move your cover to the new property, but there are times when unfortunately we are unable to cover the new address.

Do you need contents insurance as a landlord?

If you rent out your property, standard buildings and contents insurance is not enough. If you have a claim and have not told your insurer that you're renting out the property they may refuse to pay. You need to have landlord insurance in place.

The main type of insurance available is landlord buildings insurance. Depending on your needs and the property you rent out, for example if it's a furnished property, you may also want to consider these:

  • Landlord contents insurance
  • Landlord liability insurance
  • Loss of rent insurance
  • Legal expenses insurance
  • Landlord home emergency insurance

If my child is in university, are their contents covered under my insurance?

Under the Admiral Platinum policy we will pay up to the amount shown on your home policy schedule for loss or damage to your family's contents whilst temporarily removed from your home. They need to be kept in a locked room within college/university halls of residence, student accommodation or a boarding school.

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Looking for something different?

If you own your home you may also need to insure your building. Not to worry, Admiral offers great value and flexible options across all our Home Insurance products.

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