Contents Insurance

It isn’t compulsory to get contents insurance but the cost of having to replace everything yourself could be very expensive if you weren’t insured.

Only you know the value of your contents. It can be time-consuming to take an inventory of everything you own and work out the total value, however it’s a worthwhile exercise if you want to get a representative home insurance quote.

It can be helpful to go room to room, making a list of the items within it and estimating a value for each if you don’t know or can’t remember what you paid for it initially. Remember, your contents includes everything that isn’t a part of the essential fabric of the building and isn’t limited to just the obvious items like a television or a laptop. Your bed, bed sheets, cupboard, lamps, curtains, chests of drawers and so on are all going to be included in your inventory.

If you don’t know the value of certain items because they may have changed over the years, then it may be a good idea to get them professionally valued.

If you have any individual items that have a high value, then you should declare these when you complete your home insurance quote. We may offer cover for items worth more than £2,500 if they are listed as such.

Anything that is a part of the building rather than a possession wouldn’t be covered by contents insurance and instead would need to be covered by a buildings policy.

No. Your policy does not cover for anything that happens gradually. This includes damage to electrical and domestic appliances caused by them breaking down. Home maintenance is important and it is your responsibility to look after your building and contents. Your policy is designed to only cover you for things that you couldn’t have reasonably predicted.

Accidental Damage is an extra level of home insurance cover and separate from damage included on your main policy. Your policy will already cover you for damage caused by a storm, fire, flood or theft and attempted theft.

Accidental damage is sudden, unexpected harm done to your building or contents unintentionally. It is damage done by you or someone in your house. This could be accidentally drilling through a pipe when doing DIY, for instance. Or, in the case of contents insurance, it could be knocking a glass of red wine onto a carpet. You will need to purchase Accidental Damage cover at the same time you buy your policy – it can’t be added on later. Only you can decide if you want or need Accidental Damage cover. Accidental Damage comes as standard with our Gold product.

Please remember to consider your compulsory and voluntary policy excess before you make any Accidental Damage claim because often the claim damage is less than the excess amount.

It means that your policy will renew automatically when your policy comes up for renewal next year. It is a convenient stress-free way of staying insured. We’ll send a reminder 24 days before your renewal date so you can check the details, and make sure you are still happy to go ahead.

If you choose to pay by monthly instalments, you will be charged for the credit, and this is indicated by the (variable) APR%. Premium Credit Limited (PCL) may also charge a £5 facility fee, which covers their ongoing regulatory operating costs of affordability and anti-money laundering checks. This means you pay more for a monthly payment plan than you would for an annual lump sum arrangement.

PCL are a third-party finance provider, appointed by Post Office Insurance to provide credit to our customers who’d like to pay monthly by direct debit for their Home Insurance. You can contact PCL on 03447 369 820.