*Our Contents Insurance policy has been rated 5-star for quality of cover by Defaqto, an independent research company.
Contents Insurance
DirectCover Home offers 5-star* insurance that covers you for many eventualities – from that dreaded break-in to something as simple as a broken hallway mirror. We’ll even contribute towards the cost of accommodation in the event of severe flooding or fire damage. So, whatever unforeseen circumstances you may have to face, it’s comforting to know we’ll be there with you.
- Standard single valuable article limit of £12,000
- Single claim limit for total valuables of £24,000
- Up to £5,000 for business equipment kept at home
- Loss or damage caused by fire, smoke, storm, flood, the escape of oil or water, subsidence, fallen trees and malicious persons
- Optional accidental breakage or damage
- Rent or alternative accommodation for you and your family, including your pets, up to £12,000
- Your sum of contents insured automatically increases by £6,000 in respect of gifts for 30 days before and after a religious festival or a family wedding
- Contents temporarily removed from home
- Property Owner’s liability insurance up to £2,000,000
- Electronic rights protection for loss or damage to information stored on your home entertainment equipment and mobile phones up to £1000.
At DirectCover, we know that not all your valuable belongings are always kept at home. Naturally, whenever you travel, there are certain things that travel with you. Perhaps valuable jewellery and of course those all important debit and credit cards. Our 5-star* comprehensive cover means should you lose any of your possessions, we'll be there to help.
- Loss or damage to personal possessions anywhere in the world,
including money and valuables - Credit card liability up to £1,000 worldwide
Above everything else, we realise that your family and their well-being are the most important things in your life. That's why our policy is designed to protect them in the unfortunate event that things go wrong.
Know what you're covered for.
Up to £50,000 of cover in defending prosecutions such as motoring offences. Or, bringing actions against another party who has injured a member of your family or damaged the family home. You're also covered for contractual or employment rights
as well as your legal costs and expenses.
If you're a home owner, we know that your house really is your castle. And if things do go wrong or accidents happen, then you're able to get back to normal as quickly and easily as possible.
Know what you're covered for.Home Assistance provides free advice and gives you a network of approved contractors who are able to carry out emergency repairs such as plumbing, drainage, electricity supply, central heating and roofing up to £1,000. Our Home Assistance service also provides repairs in the unthinkable event that your home is rendered uninhabitable or circumstances where there is risk of loss or damage to your home or its contents.
Important informationCover is subject to terms, conditions, exclusions and limitations. A copy of the policy wording and complaint procedure is available on request.
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| Cover | Claim Limit | Limit | Excess | |||||
| Contents in the open Provides cover for contents while in the open (including garden furniture, external statues and garden pots) within the boundaries of the land belonging to the home |
Any one claim | £2,500 | £100 | |||||
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| Contents temporarily removed this benefit provides cover for contents temporarily removed from the home to : |
Any one claim | Up to Contents sum insured | £100 | |||||
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a) any bank or safe deposit b) any occupied private dwelling or c) any building that you are temporarily residing in anywhere in the world |
Any one claim | under b) and c) the maximum amount payable for theft or attempted theft from a room in a school, boarding house, college or unviversity halls of residence accommodation is £2,500 for any one claim | £100 | |||||
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Frozen food
Provides cover for loss or damage to food in the cold chamber of any refrigerator or deep freeze cabinet which is made unfit for human consumption |
Any one claim | Up to Contents sum insured | £100 | |||||
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Alternative accommodation
Cover for costs for alternative accommodation or rent payable for which you are legally liable while the home cannot be lived in because of loss or damage covered by this policy |
Any one claim | £12,000 | £100 | |||||
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Liability as tenant (applicable if the home is rented)
provides cover for the amount that you become legally liable to pay as tenant of the home |
Any claim or series of claims arising from any one event or one source or original cause | £12,000 | £100 | |||||
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Legal liability
cover for leagal liability if you cause injury, death or property damage to a third party |
Any claim or series of claims arising from any one event or one source or original cause | £2,000,000 | ||||||
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Replacement locks
This benefit pays for the cost of replacing keys and lock mechanism's |
Any one claim | Up to Contents sum insured | ||||||
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Acc loss of oil & metered water
Cover for accidental loss of domestic heating oil and metered water |
Any one claim | £2,000 | ||||||
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Documents
cover for loss or damage to documents within the home or deposited for safe custody in any bank safe deposit or bank solicitors strongroom anywhere in trhe world |
Any one claim | £500 | ||||||
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Religious festivals and wedding increase
this benefit provides that the contents sum insured is automatically increased for gifts and provisions 30 days before and 30 days after such events |
Any one claim | £6,000 | ||||||
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Visitors personal effects
cover for visitors personal effects whilst contained in the policyholders home |
Any one claim | £1,000 | ||||||
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Domestic staff's personal effects
cover for domestic staff's personal effects whilst contained in the policyholders home |
Any one claim | £1,000 | ||||||
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Liability to domestic staff
cover that you become legally liable to pay to domestic staff |
Any claim or series of claims arising from any one event or one source or original cause | £10,000,000 | ||||||
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Damage by emergency services
cover for damage to the contents caused when the fire, police or ambulance service forces entry to the buildings because of an emergency |
Any one claim | Up to Contents sum insured | ||||||
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Business equipment
cover for business equipment contained within the home |
Any one claim | £5,000 - £500 Stock | ||||||
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Plants in garden
provides cover for plants and trees within the boundaries of your home |
Any one claim | £1,000 | ||||||
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Electronic rights/soft copy protection
this benefit provides the cost of replacing information stored on your home entertainment equipment or mobile phone |
Any one claim | £1,000 | ||||||
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Fatal accident
provides a benefit if you suffer accidental injury as a result of accident or assault or a fire in your home |
Any one claim | £5,000 | ||||||
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House removal - if Accidental Damage cover is chosen
provides cover for for contents whilst in the course of removal by professional removal contractors |
Any one claim | Up to Contents sum insured if AD section taken | ||||||
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DirectCover Assistance
provides pre travel advice and information on services as well as locating entertainment tickets, restaurant reservations etc |
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Identity Theft
this benefit provides cover to pay reasonable costs if you become aware of identity theft |
Any one event | £50,000 | ||||||
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| Optional Cover |
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Family Legal Protection
this benefit provides cover for Legal costs and expenses |
For all claims | up to £50,000 | ||||||
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Home Assistance
this benefit provides cover for emergency repair and if the property becomes uninhabitable and remains so overnight pay for overnight accommodation and/or transport to such accommodation |
Any one event | up to £1,000 including VAT for emergency repair and £250 for overnight accommodation | ||||||
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If you're still unsure which policy is best for you, or you would like more details, simply visit our FAQs page, or view our policy documents in full.
