Contents Cover topics

Intelligent Insurance contents policies are designed to provide comprehensive coverage, ensuring your peace of mind in various scenarios. Explore the key aspects of our coverage: Up to £100,000 Coverage Enjoy substantial coverage for your household contents, with a generous limit of up to £100,000. This extensive coverage provides financial security in the face of potential loss or damage. Additionally, our policies are flexible, allowing you to tailor the limits to align precisely with your unique needs and possessions. High-Risk Items Coverage Safeguard your high-value items with our specialised coverage. Whether it’s jewellery, watches, clocks, musical instruments, or works of art, each item is protected for up to £2,000 by default, providing an added layer of security. For specific items exceeding this limit, you have the flexibility to specify individual coverage requirements. Alternative Accommodation Intelligent Insurance goes beyond standard coverage by ensuring you have a comfortable place to stay in the unfortunate event that your home becomes uninhabitable due to loss or damage. This additional provision underscores our commitment to providing comprehensive support during challenging times. Special Event Coverage Celebrate life’s significant moments with confidence, knowing that Intelligent Insurance offers additional coverage for special events. Whether it’s your wedding day, the festive Christmas period, or other religious festivals, our policies extend to protect your cherished moments, acknowledging the importance of these occasions in your life. New for Old Cover Embrace the ‘new for old‘ principle embedded in our policies. This ensures that in the event of damage or destruction, your possessions are replaced with brand-new equivalents. This forward-looking approach allows you to restore your belongings without considering wear and tear, offering a seamless and comprehensive solution. Summary With Intelligent Insurance contents coverage, you not only receive financial protection but also benefit from added flexibility, support, and personalised solutions. Our commitment is to provide coverage that aligns with your unique lifestyle and priorities. Get your quote online today!

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.

Understanding the Basis of Replacement The term ‘new for old’ eloquently describes how an insurer replaces possessions that are damaged or destroyed. Fundamentally, items are replaced with brand-new equivalents, regardless of their age or depreciation. Example Illustration Consider this scenario: If your 7-year-old television succumbs to a fire, the insurer will promptly provide you with an equivalent model available in today’s market. Consequently, this replacement is valued at today’s prices, ensuring that you receive coverage to purchase a new item without any deductions for wear and tear. No Deductions for Wear and Tear A pivotal aspect of the ‘new for old’ concept is the complete absence of deductions for wear and tear. In simpler terms, your insurance coverage fully covers the cost of replacing the damaged or destroyed item with a new one, eliminating any reduction in value due to the age or usage of the original possession. Summary By exploring the concept of ‘new for old,’ homeowners gain insight into the replacement process and can confidently navigate insurance claims with the assurance of receiving equivalent, new items.

Yes, your insurance extends to cover the contents of your fridge and freezer, protecting the value of the items stored in these appliances. In the event of unforeseen circumstances leading to damage or loss, your insurance is designed to compensate up to the specified limit. Standard Coverage Value As part of our standard coverage, it covers the value of fridge and freezer contents up to £750. This baseline coverage ensures that your appliances store a range of items, such as perishable food items, with compensation available in case of an incident. Assessing Coverage Adequacy You should assess the value of the contents in your fridge and freezer to determine whether the standard coverage aligns with your needs. Homeowners with higher-value items or larger quantities of stored food may consider exploring options to enhance this coverage. Flexible Coverage Options Understanding that individual needs vary, our insurance provides flexibility. Homeowners can explore additional coverage options or adjust limits to better suit their requirements. This ensures a personalised approach to insurance that aligns with the specific circumstances of each household. Claiming for Damaged or Lost Contents In the unfortunate event of damage or loss to the contents of your fridge or freezer, the claims process is designed to provide timely and efficient compensation. Familiarise yourself with the claims procedure for a smoother experience should the need arise. Summary By exploring the coverage for the contents of your freezer, you actively assess the adequacy of standard coverage and make informed decisions about adjustments based on the value of your stored items.

Coverage for bicycles is not automatically included in your contents insurance. It is only provided when you actively opt to add pedal cycle cover to your policy and specify each individual bike. Damage and Theft Protection Once specified, your bicycle is covered for damage and theft, up to the claims limit assigned to that specific bike. This detailed specification provides comprehensive protection, addressing potential risks associated with owning valuable bicycles. Claiming for Stolen Bicycles and the Impact of Security The success and amount of a claim for a stolen bicycle are influenced by the bike’s claims limit and the security measures in place. Effective security not only helps protect your bicycle but can also enhance your potential for reimbursement in the event of theft. Summary By exploring the nuances of bicycle coverage within your contents insurance, you can make informed decisions about enhancing protection for your valuable possessions, including bicycles.

Yes, we ensure the protection of your child’s belongings at college, boarding school, or university, including against flood, fire, and theft in dormitories. Our policy offers an all-encompassing solution to safeguard their items during their time away. Streamlined Student Coverage Our policy eliminates the need for separate student content insurance by covering the unique situations of students living away from home. This simplifies the insurance experience. Understand Your Coverage Limits Coverage amounts vary by insurer. Review your policy schedule for specific limits to ensure your child’s possessions are adequately covered. Ensure Tailored Protection Familiarising yourself with the coverage details allows you to provide customised protection for your child’s items, ensuring peace of mind. Our Commitment We aim to offer convenience and reassurance that your child’s possessions are securely insured while they pursue their education, providing reliable insurance solutions tailored to your needs.

Bicycle Coverage Inclusions Certainly, your child’s bicycle is covered, but there’s a condition. To ensure robust protection, consider adding Bicycle cover to your policy. Specify the replacement value for the bicycle to extend coverage, safeguarding it against various potential risks. Security Requirement Additionally, it’s crucial to note that for coverage to be effective, lock the bicycle to an immovable object when not in use. This security measure ensures that the insurance extends to instances when the bicycle is inactive, mitigating the risk of theft or damage. Customised Protection By actively adding Bicycle cover to your policy, you personalise your insurance protection, tailoring it to the specific needs and value of your child’s bicycle. This strategic approach allows you to enhance coverage for valuable items and address potential risks associated with outdoor belongings. Understanding Replacement Value By specifying the replacement value of the bicycle is vital for accurate coverage. This ensures that in the event of loss or damage, the insurance payout reflects the current market value of a similar bicycle, facilitating a seamless like-for-like replacement. Summary By actively exploring the specifics of bicycle coverage while your child is away, you can make informed decisions about customising your policy, ensuring that their bicycle is adequately protected against potential risks.

While your child is away at university, their possessions fall under the category of contents. This coverage includes a diverse range of items, such as clothing, books, sports equipment, electronic gadgets, and laptops, subject to the specified cover limits and exclusions outlined in your policy schedule. Inclusion of Personal Belongings Moreover, the term “contents” encompasses personal belongings taken to university. It ensures that their possessions are protected against potential risks, including essential clothing items, academic materials, sports gear, and electronic devices. Understanding Policy Limits Reviewing your policy schedule is essential to understand the specific cover limits and exclusions applicable to these possessions. This information guides you on the extent of protection provided and any limitations associated with certain items. Ensuring Adequate Protection Both parents and students must ensure that the insurance policy aligns with the value of the possessions taken to university. If necessary, you can make adjustments to the policy to enhance coverage or accommodate specific needs. Communication with Your Insurer Additionally, if you have any concerns or questions about the coverage while your child is at university, feel free to reach out to us should you need clarification. Understanding the details of the policy ensures that you can make informed decisions to safeguard your child’s belongings. Summary By exploring the specifics of possession coverage while your child is away at university, you can navigate the insurance landscape with confidence, ensuring that their belongings are adequately protected.