Using our comparison service to find cover
To find the best contents insurance policy, start a quote with us. Once you’ve confirmed the address and type of property, we’ll ask you about your situation i.e. whether you’re a home owner or tenant. If a tenant we’ll ask which sort you are e.g. private, council or housing association. We’ll also need to know whether the property is furnished or not.
You’ll then be asked what total value you place on your possessions. We’ll provide an estimate based on what you’ve told us, but feel free to adjust it. You’ll need to advise the total amount for high risk items like phones, tablets, laptops, jewellery and cameras, as well as whether you’d like to add a bicycle to the policy.
You’ll have the option to add accidental cover, which may be particularly useful if you’re a tad clumsy!
Importantly, you need to select the amount of voluntary excess that you would like to add to your policy. This is the amount of money that you would have to pay in the event of a claim before the insurance provider will contribute.
Increasing this amount will reduce the premium you have to pay. Set it at a realistic value though. Too high, and you could leave yourself in a pickle if you break something and can’t afford to replace it. Too low and your premium could be much higher. There will probably be a compulsory excess on the policy so bear this in mind when you select your voluntary excess as the two excesses are added together.