Insuring your household contents
Contents insurance protects what’s inside your home. Think furniture, tech, jewellery and clothes.
If you lost everything after a fire or flood, replacing it all would be costly. Contents cover helps you recover.
Unlike buildings insurance, there’s no legal or mortgage requirement to have contents insurance. But it’s a sensible way to protect the things that matter to you.
How to calculate your contents cover amount (sum insured)
Time to complete: ~10 minutes
Many policies include a blanket limit to help guard against underinsurance. Always check your Policy Booklet and Schedule for limits and excesses.
Step 1: Walk room-by-room
Include cupboards, the loft and shed/garage. Don’t forget rugs, curtains and freestanding appliances.
Step 2: List big items first
Start with sofas, beds, TVs and white goods. Then add smaller items that add up, like clothes, books and cookware.
Step 3: High-risk items
Jewellery, watches, laptops, cameras, musical instruments and hi-fi. Keep receipts/valuations and photos where possible.
Step 4: Check the single-item limit
Compare each item’s value to your policy’s single-item limit. Specify any item above the limit individually on your policy.
All set?
An Intelligent approach to insuring your home contents
Household contents insurance from Intelligent Insurance provides cover for your belongings for events such as theft, malicious damage, storm, impact, subsidence, ground heave and landslip, fire, escape of water or oil.
We also provide cover for damage to food stored in a refrigerator or freezer, replacement locks and keys and occupiers and personal liability.
What we provide
What isn't included?
- Caused by wear, tear or gradual deterioration
- That occurred before the policy started
- Caused by vermin, insects, pets
- Caused by dishonest, wilful or deliberate acts
- Arising from leaks from swimming pools, fixed hot tubs, jacuzzis, fixes spas
- Business equipment unless requested
- Any motor vehicle, craft or caravan
- Animals
- Growing trees, plants or shrubs
Looking for extra protection? Upgrade your cover
-
Optional – Specified Items & High Risk Property →Specified Items
Cover for valuable items you specific separately on your policy.
-
Optional – Personal Belongings away from Home →Personal Belongings away from Home
Cover for items you take outside of the home with you, such as mobile phones
-
Optional – Accidental Damage →Accidental Damage
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
-
Optional – Pedal Cycle Insurance →Pedal Cycles
Cover for our bicycle(s) when taken away from the home
Frequently Asked Questions
Contents insurance pays to repair or replace the things you own if they’re stolen or damaged by insured events like fire, flood or escape of water. It’s different from buildings insurance, which covers the structure and fixtures. Most policies pay “new-for-old” up to your contents sum insured.
Typically theft, fire, escape of water, storm, flood and malicious damage. Policies may include freezer food and replacing locks and keys. Accidental damage and cover away from home are optional upgrades; limits and excesses apply.
Add up the new-for-old cost of everything you own. Include high-risk items and check the single-item limit; specify items above it. Don’t forget cupboards, the loft and any covered outbuildings.
Use our 4-step guide to calculate your contents cover amount.
It isn’t a legal requirement, but most people would struggle to replace everything after a loss. Homeowners often pair contents with buildings cover; tenants insure their own contents.
Policy Documents
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Add-Ons
How to make a claim
Making a claim has never been easier – just follow these three simple steps.
Step One – Check Your Policy
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Step Two – Report the Incident
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
Step Three – Submit Your Claim
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
