Compare Pick and Protect contents insurance

Compare our three different levels of contents cover to help you choose the right option for you.

Remember:

  1. contents cover is our most comprehensive contents insurance giving you unlimited cover if your home has 5 bedrooms or fewer
  2. starter contents cover is designed for people who don’t want unlimited contents cover or who don’t want to insure all of their possessions. Choose how much cover you need from £2,000 to £15,000
  3. students contents cover is specifically designed for students with cover from £2,000 to £15,000

On this page you can see:

 

What are the differences between your contents insurance?

Our contents insurance is for your main home. If you let a property, take a look at our Landlord’s insurance.

Cover Contents cover Starter contents cover Student contents cover
Contents sum insured Unlimited or specified amount Minimum £2,000 Maximum £15,000
Minimum £2,000
Maximum £15,000
Specific amounts
Unspecified valuables Minimum £10,000 Maximum £20,000 Up to the contents sums insured Up to the contents sums insured
Unspecified valuables single item limit £3,000 £1,000 £1,000
Theft from outbuilding(s) £5,000 £2,000
£2,000
Theft from garage(s) £5,000 £2,000 £2,000
Theft from garden £3,000 £2,000 £2,000
Visitors personal effects £1,000

×

×
Business equipment £5,000

×

×
Replacement locks Up to the contents sums insured £1,000 £1,000
Food in freezers £500

×

×
Domestic heating fuel and metered water Up to the contents sums insured

×

×
Loss of rent and the cost of alternative accommodation £20,000

×

×
Household removals Up to the contents sums insured Up to the contents sums insured Up to the contents sums insured
Occupier’s and personal liability £2 million £2 million £2 million
Employer’s liability £10 million £10 million ×
Tenant’s liability (only available if you are a tenant) £10,000 £10,000 £1,000
Title deeds Up to the contents sums insured

×

×
Emergency access Up to the contents sums insured Up to the contents sums insured Up to the contents sums insured
DIY removal/contents in transit to or from your college or university

×

Up to the contents sums insured Up to the contents sums insured
Tenants’ improvements (only available if you are a tenant) £10,000

×

×
Contents sets and pairs Up to the contents sums insured

×

×
Personal money in the home £500 £250 £250
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Terms, conditions and policy exclusions apply.

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Contents insurance enhancements

When you take out your insurance you can increase your cover with these options:

Enhancements Contents cover Starter contents cover Student contents cover
Contents Accidental Damage cover Up to the contents sums insured Up to the contents sums insured Up to the contents sums insured
Contents Working from Home cover
Minimum £6,000
Maximum £15,000       Stocks and Samples £1,000
Public liability
 £2 million
× ×
Student Contents Extension cover £5,000 × ×
Contents Protected No-Claims Discount make two claims within a 5 year period without losing your no-claims discount and without affecting your policy price when you renew make two claims within a 5 year period without losing your no-claims discount and without affecting your policy price when you renew make two claims within a 5 year period without losing your no-claims discount and without affecting your policy price when you renew

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Contents insurance enhancements explained

Available on all levels of cover:

  • Contents Accidental Damage cover – insures your contents against accidents from your TV or laptop breaking, dropping your mobile phone at home or spilling wine on your carpets

Only available with contents insurance, our most comprehensive level of cover:

  • Contents Working from Home cover – insures you against loss or damage to office equipment, supplies and furnishings while in the home
  • Students Contents Extension – insures a full time student’s contents whilst away from the main home, ideal for parents to add onto their contents cover

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What are the main exclusions from contents insurance?

You won’t be able to claim for:

  • cover away from your house, garage, garden or shed for gadgets, personal itemsbikes or other sports equipment. Separate cover is available for each of these
  • damage caused by wear and tear, or any damage that happens gradually
  • accidental damage. You can tailor your policy with our Contents Accidental Damage cover when you get your quote
  • loss or damage when your home is unoccupied longer than stated when you take out your insurance
  • motorised vehicles except for gardening equipment and mobility vehicles like wheelchairs, aircraft, caravans, watercraft of any kind
  • theft in from communal areas of self-contained flats

You can see the full list of exclusions in the Policy Document.

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It's important that you know what this insurance does and doesn't include. You'll find more details here.

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