Tenants contents policy summary

Tenants Contents Policy Summary

This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation.

It is important that you read the policy documentation carefully when you receive it.


The Insurer of this policy is Aviva Insurance Limited.

This policy protects you against perils such as fire, storm or flood. Some of the covers summarised are optional and these are clearly marked as such. If you have selected any of these options, they will clearly be marked on your policy schedule.

Your policy includes the following significant features and benefits, which are explained in detail in your policy booklet.

  • Accidental damage to television sets, aerials, video recorders, hi-fi’s, home computer equipment, decoders and DVD players and CCTV cameras fixed to your home (up to the amount insured)
  • Accidental breakage of mirrors, glass tops, ceramic hobs and fixed glass in furniture or cookers (up to the amount insured)
  • Contents temporarily removed from the home (up to 20% of amount insured)
  • Contents in outbuildings, garages, sheds, greenhouses and cellars (up to £2,000)
  • Replacement keys & locks for outside doors and alarms of your home if your keys are lost or stolen (up to the amount insured)
  • Spoilage of food in fridge & freezers (up to the amount insured)
  • Religious festivals & wedding gifts cover (temporary increase of 15% of the amount insured)
  • Loss of domestic fuel oil and metered water (up to £1,000)
  • Alternative accommodation following an insured loss (up to 20% of the amount insured)
  • Contents at university, college or boarding school (up to £2,500)
  • Contents in the open within the boundaries of the home (up to £500)
  • Accidental loss or damage to contents during removal by professional removers (up to the amount insured)
  • Tenants and leaseholders improvements (up to 20% of amount insured or £2,000, whichever is the greater)
  • Tenants and leaseholders liability (up to 20% of amount insured)
  • Personal liability (up to £2,000,000 or £5,000,000 for domestic employees)
  • Fatal injury benefit (up to £5,000)
  • Insurance for documents (up to £1,000)
  • Visitors contents cover (up to £750)
  • Emergency access (up to £750)
  • Theft of money by bogus officials (up to £300)
  • Theft of belongings following a hold up (mugging) (up to £300)
  • Limit for personal money (£300)
  • Limit for credit cards (£500 per card)
  • Limit for audio/visual/computer – tapes, records and discs - (£1,500 for the total of such items, not per item)
  • Limit of one third of the amount insured or £5,000, whichever is greater for the total of high risk items (£1,500 per item). Examples of high risk items are pictures, jewellery, watches, photographic equipment, video cameras and personal computer equipment. Please refer to the policy wording for a full definition
  • With the Accidental Damage Option all other accidental damage occurring in the home that we regard as insurable is covered. Please see page 17 of your policy booklet for further details

See policy booklet for details. 

You must comply with conditions of the policy explained in the General Conditions Section of the policy booklet for cover to apply. These include your duty to take reasonable precautions to prevent loss and actions you must take as soon as you are aware of a possible claim under the policy.

See also the General Exclusions Section of the policy booklet for those exclusions that apply to all Sections.

  • Certain losses or damage if any endorsement/clause is shown on your policy schedule 
  • No cover is provided for motor vehicles, caravans, trailers, boats, canoes, surfboards, sailboards, hovercraft, aircraft, gliders and any accessory which is designed to be used with any of these
  • No cover is provided for items used for business or professional purposes
  • Loss or damage by any gradually operating cause
  • Certain losses or damage when your home is unoccupied or unfurnished for more than 60 days in a row
  • Theft caused by you, members of your household, paying guests or tenants
  • Loss or damage caused by any wilful act by your household
  • Loss or damage caused by storm or flood to hedges, fences or gates covered within the tenants improvements section
  • The cost of altering or replacing any items, or parts of items which are not lost or damaged and which form part of a set, suite or other article of the same type, colour or design
  • Theft of contents temporarily removed from the home. You are, however, insured for loss or damage caused by theft or attempted theft from any building in which you, or a member of your household, is temporarily residing or employed if this involves somebody using force and violence to break into or out of a building
  • Theft of money, unless by somebody using force and violence to break into your house
  • Loss or damage to interior decorations you are not legally responsible for
  • Loss or damage to guns and firearms
  • Your personal liability involving
  • Firearms unless in connection with shotguns or airguns which you can legally own without possessing a firearm certificate
  • Loss or damage to pedal cycles while temporarily away from the home unless the optional PEDAL CYCLES cover is taken out
  • Accidental damage other than to the items specifically noted above in Significant Features and Benefits but wider cover is available under.

Accidental Damage Option – see policy booklet for full details

Apply online (above) or download an application form.