Contents Insurance
Protecting all the things that make your house a home
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 keep what matters protected.
It covers all your treasured possessions against things like theft, vandalism, fire and water damage.
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 wasps, 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.
Check your policy documents to find the full list of what we do and don't cover. You can access your policy documents online or by logging in to MyAccount.
Compare our three levels of cover
There are three levels of cover for you to choose from to suit your needs. Insuring your home can be confusing, so we’ve broken down what each level covers below.
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| 24-hour helpline | |||
| Matching items | |||
| Bicycle cover |
£350 |
£350 |
£350 |
| Money limit |
£500 |
£750 |
£1,000 |
| Replacement locks or keys |
£1,000 |
£1,000 |
£1,000 |
| Personal possessions cover | Optional | Optional |
£2,000 |
| Garden contents |
£1,000 |
£2,500 |
|
| Theft from garages and outbuildings |
£5,000 |
£7,500 |
|
| Office equipment |
£5,000 |
£7,500 |
£10,000 |
| Contents temporarily away from home |
£5,000 |
£11,250 |
|
| Temporary accommodation |
£15,000 |
£20,000 |
£25,000 |
| Contents sum insured |
£75,000 |
£100,000 |
£150,000 |
| Occupier’s liability |
£1M |
£2M |
£2M |
| Personal liability |
£1M |
£2M |
£2M |
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.
Contents calculator
To make sure you have enough contents cover, you need to know how much your belongings are worth. If you’re not sure, use our handy contents calculator to find out.
High value items
You might have some things that are worth more than others. For example, an engagement ring or a camera.
A high value item, sometimes known as a high-risk item, is something that’s worth more than £2,000.
If you have a high value item, you’ll need to tell us about it so we can list it on your policy. If you don’t and try to claim for it, we might not cover you for how much it’s actually worth.
Do I need contents insurance?
Unlike car insurance, contents insurance isn’t a legal requirement. But think about what you’d do if all your belongings were damaged or even destroyed.
Clothes, furniture, tech – you could be looking at thousands of pounds to repair or replace them all.
Contents insurance gives you a safety net, knowing you have us to fall back on if something happens to your treasured possessions.
I'm a homeowner
If you own your home, you might be more likely to need home insurance. It includes buildings and contents insurance.
That means we cover the structure of your home, and your belongings inside it too.
I rent my home
If you rent your home but own your furniture and everything inside it, it’s a good idea to get contents cover for your belongings!
Your landlord will have insurance for the actual building. Plus, any permanent fixtures and fittings.
I'm a landlord
If you rent out your property, contents cover isn’t enough – you need landlord insurance.
If you try to make a claim but haven’t told us you’re renting out the property, we could refuse to pay and even void your policy. That means it was never valid in the first place.
I'm a student
If you're living in furnished accommodation, your landlord will have insurance. This will cover the property and the furniture inside, but not your personal stuff.
Some home insurance policies, like our Gold and Platinum, include ‘contents at university’ cover.
That means your parents' or guardians’ insurance might cover your belongings too. Double check with them to find out.
What contents insurance add -ons are there?
We offer plenty of optional add-ons, so you can create a policy that works for you.
Accidental Damage cover
You're protected if your belongings are accidentally damaged. For example, if you spill a drink on your sofa.
Personal Possessions cover
Get extra cover for your most treasured possessions. Make sure they're protected wherever you take them in the world, up to £20,000.
Home Legal Expenses
24/7 legal advice to help you and your family with issues like employment or property disputes. Plus, up to £100,000 in legal costs.
This is just a snapshot of what we offer!
Check out the link below for our full list.
HOME INSURANCE ADD-ONSHome resource hub
Our home resource hub is there to lend you a helping hand. From handy how-to guides to unpicking the ins and outs of your policy, we’ve got it covered.
EXPLORE THE HUB
Your questions answered
Still got questions? We’ve got you covered.
Is my mobile phone covered?
Yes, your mobile phone should be covered as standard on your home insurance. But if it’s worth more than £2,000, you’ll need to declare it as a ‘specified item’.
We’ll cover your actual phone, but not any charges. For example, your phone bill for the time it was broken or you couldn’t use it.
Is my kitchen covered?
Buildings insurance covers fitted kitchens.
Your contents insurance covers the belongings in your kitchen, including your furniture, dinnerware, and any furnishings.
Do I need to provide proof of ownership for all my possessions?
If you’re claiming for a damaged item, we might ask for a receipt or proof of valuation that shows how much it’s worth. They need to be from the last three years.
We normally ask for these within 30 days of when you make a claim.
Photocopies or good-quality photos are fine, as long as we can clearly read them! You can either post or email them to us.
Make sure you write your policy number on any document you send us.
- Post - FREEPOST EUI LTD
- Email - customerservices@admiral.com
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