Help Centre / What incidents or events are covered by contents insurance?

What incidents or events are covered by contents insurance?

Intelligent Insurance policies offer comprehensive coverage for damages to contents resulting from various events, ensuring your belongings are safeguarded in diverse scenarios. The covered incidents include:

  • Fire
  • Riot, civil commotion, labour or political disturbances, and strikes
  • Malicious damage
  • Impact from aircraft, 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 where the buildings stand, 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

Additional Benefits Include

In addition to the core coverage, Intelligent Insurance goes beyond, offering a range of additional benefits to enhance your protection:

  • Accidental loss of metered water or oil
  • Damage to food in the 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

With Intelligent Insurance, you enjoy comprehensive protection, ensuring your peace of mind in a wide range of situations.

Call us on 0333 311 1110, speak to us via chat, or get your quote directly online.

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