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
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Latest Contents Insurance Provider Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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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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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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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

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5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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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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Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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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.