We recommend everyone has contents insurance to protect their valuables. You can get it from any provider, but we designed our scheme for tenants and leaseholders.
We provide insurance through Aviva, but you can only get this policy and the benefits from us.
Everyone can insure contents valued from £4,000 to £40,000, but it is cheaper for people 60 years old or older.
With our policy you:
This means if you accidentally damage a TV worth £300, you pay £100 towards replacing it. Your insurance pays the other £200.
Your policy will automatically renew every year. We will send you a renewal letter every year in May.
You can:
Aviva deal with all claims. To make an emergency claim, you can:
Aviva will respond to your claim and complete an inspection within 10 days of you making a claim if they need to complete an inspection.
This policy insures your contents, up to the amount insured, when they are in your:
There is some cover for when you temporarily take contacts out of your house, like keys.
This includes replacing:
Damage caused by a neighbour is usually accidental like a water leak from a flat above you or fire damage from next door. Your insurance will cover the damage. But you cannot use their insurance to make a claim.
Some contents, up to the amount insured, are insured for accidental damage. This includes:
You can pay extra to cover all accidental damage.
You must pay a £100 excess for accidental damage and personal belonging claims.
It is important when you work out the full value of your contents to find out how much it will cost to replace them. If you undervalue your contents, you will not get the full value of your contents.
We will replace clothing and linen at their current value, less an amount for any wear and tear. For the rest of your home contents, we will replace damaged goods with new items or pay you the value of the item.
For contents you have bought on hire purchase, we will replace the item, not pay the hire purchase price.
If you do not have a receipt, we can use a box or photographs of the item as proof.
This covers you for up to 20% of the amount insured if you are legally responsible for:
The higher the value of your contents, the higher the cost to insure them.
There are also different costs depending on your age. Costs for people 60 years old or older and costs for people under 60 years old.
This insures your belongings, up to the amount insured, when they are away from home. They must be in the United Kingdom.
Your belongings are insured against theft, accidental loss, and damage to:
There are some restrictions on what we cover. For example, you must properly secure pedal cycles when you leave them somewhere.
You must pay a £100 excess for accidental damage and personal belonging claims.
You can insure personal belongings worth £1,000 to £4,000. Insuring:
Prices include Insurance Premium Tax (IPT) charged at the appropriate rate. Terms and conditions apply.
You can insure wheelchairs and mobility scooters worth £1,000 to £4,000. Insuring:
Prices include Insurance Premium Tax (IPT) charged at the appropriate rate. Terms and conditions apply.
You can insure hearing aids worth £1,000 to £4,000. It costs:
Prices include Insurance Premium Tax (IPT) charged at the appropriate rate. Terms and conditions apply.
Find out more about paying your home contents insurance.
You are not insured if something, like a fridge-freezer, is not working because of:
You are also not insured for:
Home contents insurance prospectus booklet (PDF, 257 KB)
Home contents insurance disclaimer (PDF, 131KB)
Acceptance restrictions may apply for conviction and claims experience.
The policy is underwritten by Aviva Insurance Limited who are authorised and regulated by the Financial Conduct Authority.
Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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