Contents Insurance Exclusions

Exclusions in your Contents Insurance Policy

 

Simply put, an ‘exclusion’ is any item that is not covered by the contents insurance policy in question. No insurance policy is designed to cover every possible occurrence, and contents insurance is no different. There will generally be contents insurance exclusions on every policy, so bear this in mind while analysing contents insurance quotes to make sure you get the cover that meets your needs.

 

Contents insurance cover may not be available for:

  • Damage caused by a pre-existing problem such as damp or rot
  • Theft or damage due to the property being left unoccupied for more than a month
  • Deliberate loss or damage by the policyholder, including DIY related damage
  • Fences or garden gates are not generally covered by garden contents insurance


On top of these general contents insurance exclusions, there are a number of exclusions that also relate to policyholders actions affecting the chance of a payment:

  • Not insuring a home security system was active or working if specified in the contents insurance policy
  • Leaving windows or doors open
  • Using the property as a place for business and keeping valuable equipment there without informing the insurer

 

Before taking out contents insurance, it's sensible to perform a thorough valuation of all the contents you want to cover with the insurance policy, making sure not to over or under value the things you own. This should reduce the likelihood of being hit with an unpleasant surprise when you come to claim on something that's excluded from your contents insurance policy. Use the tables below to compare contents insurance quotes and find the best option for you:

Compare Contents Insurance Quotes
Provided via:Total Number of InsurersContents InsuranceBuilding InsuranceLandlord & Tenant InsuranceGet Quotes
40+YesYesYesGet Quotes >
Latest Contents Insurance Provider Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.