Insuring your household contents
Contents insurance serves one purpose: to protect the belongings within your home – all those items that make your home feel like yours.
This includes, but is not limited to, furniture, computers, jewellery, and clothing.
Consider this: In the unfortunate event of losing all your possessions in a fire or flood for example, it would be a costly exercise to replace them.
Unlike buildings insurance, your mortgage provider won’t have a mandatory requirement for you to have contents insurance, but it’s a good idea to ensure the important things in your home are protected.
To determine the right amount of cover you need for your contents, simply calculate the total value of belongings in each room in your home.
To guard against the risk of being underinsured, many policies offer blanket coverage.
At Intelligent Insurance, we provide up to £100,000 as standard coverage.
Contents insurance cover provides:
- Up to £100,000 cover
- New for old cover
- Basic Home Emergency cover included free
- Standard Family Legal Protection included
An Intelligent approach to insuring your home contents
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
Contents Insurance Cover Levels
-
Buildings Insurance
Cover for the main structure of your home if you need to repair or rebuild it
Up to £1 million -
Contents Insurance
New for old cover for belongings kept in your home
Up to £100,000 -
Alternative Accomodation
Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event
Up to £50,000 -
Trace and Access
Replacement and repair to any parts of the building that are removed when tracing escape of water
Up to £5,000 -
Accidental Damage
Cover for accidental breakages or damage to your buildings or contents eg putting your foot through the ceiling, or spilling paint on your carpet
Optional -
Personal Belongings
Cover for items you take outside of the home with you, such as mobile phones
Optional -
Specified Items
Cover for valuable items you specific separately on your policy
Optional -
Pedal Cycles
Cover for our bicycle(s) when taken away from the home
Optional
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.
