Contents Insurance Exclusions

Contents Insurance Exclusions

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Reviewers recommend Fair Investment Company
Contents Insurance
Unlimited cover
Special Offers
5 Star home insurance from just £99* You could save up to 20% online **
Accidental Damage

AVIVA Home Contents Insurance

£10 Cashback available for purchasing policy. T’s and C’s apply

*10% of all customers buying home buildings and contents insurance with us from September 2018 to November 2018 paid £99 or less. Source: Aviva. The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

** Excludes optional covers. Minimum price applies.

Contents Insurance
Up to £150k contents cover
Special Offers
25% online discount for new customers*
Accidental Damage

You can sleep easy with home insurance that includes…

£ 25% online discount for new customers (excludes Home Emergency and Home Legal expenses)

Award rosette 12-month warranty on all repairs when you use our recommended repairer service

£ 24-hour UK emergency helpline, if you need help in a hurry

New customers buying online only. Excludes Home Emergency and Home Legal expenses

Contents Insurance
Unlimited contents cover
Special Offers
Save up to 20% Online*. Insurance which is tried, tested and recommended by 9 out of 10 customers**
Accidental Damage

John Lewis Home Contents Insurance

*Based on 1856 customers
**For new customers purchasing online. Minimum premiums apply. Discount is automatically applied when you get a quote. 20% discount for Essential, Plus and Premier cover and 15% for Specialist. Discount does not apply to any optional features you select when purchasing Specialist Insurance

Contents Insurance
Up to £100k contents cover
Special Offers
5 Star Defaqto rated home insurance from as little as £59.23*
Accidental Damage

Age Co Home Contents Insurance

*if you are in rented accommodation where the landlord arranges the buildings insurance

Contents Insurance
Up to £100k contents cover
Special Offers
Assure your home is properly protected from just as little as £98*
Accidental Damage

SAGA Home Contents Insurance

* That’s how much 10% of customers who paid annually and took out a new policy between February and April 2018 paid

Contents Insurance Exclusions

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: