What incidents or events are covered by contents insurance?

Intelligent Insurance policies offer cover for damage to contents from the following events:

– Fire

– Riot, civil commotion and labour or political disturbances and strikes

– Malicious damage

– Impact from aircraft (or other flying devices), or anything dropped from them, vehicles or trains, falling aerials or masts, falling trees or branches, animals

– Storm, flood or weight of snow

-Subsidence or ground heave of the site the buildings stand on, or landslip

– Escape of water from, or freezing in any fixed domestic water or drainage installation, heating installation, washing machine, dishwasher, fridge, freezer or water bed

– Theft or attempted theft

– Escape of oil from a fixed, domestic, oil-fired heating system

You also benefit from the following cover:

– Accidental loss of metered water or oil

– Damage to food in fridge or freezer

– Alternative accommodation

– Replacement locks and keys

– Change of address – contents cover

– Contents in transit

– Death benefit

– Damage as a tenant

– Increased cover for special events

– Loss of use of broadband / internet

– Contents at university and guests contents

– Shopping in transit

– Theft by bogus official

– Medical equipment on loan

– Jury service – loss of earnings

– Damage by emergency services

– Electronic data

– Contents temporarily away from home

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