File a Claim Get a Quote. Menu Close Menu. Back to all articles. Learn what your policy should cover and the types of perils covered by insurance. If you have any high-value items, consider buying specific coverage for those items.
Things like memorabilia and art are sometimes overlooked or not covered by a policy. A good portion of policies have a deductible, which is the amount you agree to pay toward the total cost of a claim. Some items like jewellery and bicycles have unique conditions that have to be met to receive the maximum amount that will be paid out. Top links Template letter to raise a grievance at work.
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Top tips If you download music and films onto your computer, mobile phone, iPod or mp3 player, many home contents policies offer download insurance as an add-on. Did this advice help? Yes No. Why wasn't this advice helpful? It isn't relevant to my situation. It doesn't have enough detail.
I can't work out what I should do next. I don't understand. For example, many standard policies don't insure people who have a lodger — so if you take in a lodger without letting your insurer know you could invalidate your policy.
This ensures that you have enough cover, particularly if you've bought new items that are worth more than the single item limit on your policy. Let your provider know if you think you need more cover. The cheapest deal is not necessarily the best. Using comparison websites to shop around will give you a better chance of securing a good deal.
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