Compare Pick and Protect home and contents insurance

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

Remember:

contents cover is our most comprehensive contents insurance giving you unlimited cover if your home has 5 bedrooms or fewer
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
students contents cover is specifically designed for students with cover from £2,000 to £15,000

On this page you can see:

what the differences are between our contents insurance covers
what enhancements are available with each type of contents insurance
what the main exclusions are from contents insurance

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
	Get a quote	Get a quote	Get a quote

Terms, conditions and policy exclusions apply. Must be a UK resident and aged over 16 to apply.

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

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

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 items, bikes 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. Must be a UK resident to apply.

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Must be UK resident and aged over 16 to apply.

Quote references beginning with QTE

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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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0345 030 8786

If you'd prefer to talk to a member of our team please call us:
Monday to Friday 8am - 8pm
Saturday 8am - 6pm
Sunday 10am - 4pm
Bank Holidays 10am - 4pm

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