Contents Insurance
Protecting all the things that make your house a home
From your big furniture to your favourite keepsakes, we’ve got you covered.
Platinum Contents Cover
What's contents insurance?
We know that your belongings are really important to you. From your furniture and TV to clothes and jewellery, contents insurance helps protect what matters most.
It covers all your treasured possessions against things like theft, vandalism, fire and water damage.
You can also choose extra cover for high-value items or things you want to take outside your home.
What does contents insurance cover?
We hope you never need to make a claim. But things can go wrong sometimes, and accidents can happen. Here's what our contents insurance covers you for.
Storms
If extreme weather damages your belongings, we'll help to repair or replace them.
Theft or vandalism
We know having your things stolen or vandalised is stressful, especially if there's been a break-in.
If that happens, we'll be there to help you get back on track.
Fire and smoke
Cover if a fire or smoke damages your belongings.
Water leaks
Support if you've got a water leak that's damaged your stuff. For example, if you've got a burst pipe that's ruined your sofa.
What doesn't contents insurance cover?
Unfortunately, your insurance can't protect everything against loss or damage. Here are a few things your contents cover doesn't include.
Wear and tear
We don't cover wear and tear, which is damage that happens slowly over time or from everyday use.
That might be things like worn carpets or your sofa being worn down from use.
Pets and pests
You're not covered if any pests, like rats or moths, damage your belongings.
We also don't cover damage from pets chewing, scratching, tearing, vomiting or any toilet mishaps!
Appliances breaking down
If your appliances break down because of an electrical or mechanical fault, we won't cover it.
When we say appliances, we mean things like your fridge, TV or dishwasher.
You might have a warranty from when you bought the appliance though, so it's always worth checking with the manufacturer.
Compare our cover levels
Insuring your home can be confusing. To make it easier, we've broken down what each level covers.
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| 24-hour helpline | |||
| Personal liability |
£1M |
£2M |
£2M |
| Occupier's liability |
£1M |
£2M |
£2M |
| Contents Sum Insured (eligibility criteria applies) |
£100,000 |
£125,000 |
£150,000 |
| Temporary accommodation |
£15,000 |
£20,000 |
£25,000 |
| Office equipment |
£5,000 |
£7,500 |
£10,000 |
| Contents temporarily away from home |
£5,000 |
£11,250 |
|
| Theft from garages and outbuildings |
£5,000 |
£7,500 |
|
| Garden contents |
£1,000 |
£2,500 |
|
| Personal possessions cover | Optional | Optional |
£2,000 |
| Replacement locks or keys |
£1,000 |
£1,000 |
£1,000 |
| Money limit |
£500 |
£750 |
£1,000 |
| Bicycle cover |
£350 |
£350 |
£350 |
| Accidental Damage (Contents) | Optional | Optional | |
| Matching items |
Already have contents insurance with us? Log in to MyAccount or check your policy book to see what you are and aren't covered for.
Which home insurance type is right for me?
Combined home insurance
Combined home insurance, often just called home insurance, includes both buildings and contents cover on one policy. If you're a homeowner, this one's for you!
Buildings insurance
Buildings insurance covers the cost to repair damage to a home's structure. It also protects garages, outbuildings and anything that’s permanently fixed. It might be the right choice for freeholders.
Contents insurance
Contents insurance protects the belongings inside your home from theft, vandalism, fire and water damage. It’s usually the right option if you live in a flat or are a leaseholder.