What is Contents Insurance?
Contents insurance covers the cost of replacing or repairing possessions if they’re damaged, destroyed or stolen while they’re inside your home. Contents are things you’d take with you if you moved home. Including your furniture, kitchen appliances, curtains, bedding, clothing, television, computing equipment and jewellery.
The benefits of this product include…
Highly rated cover and care
We’ve been awarded 5 Star Defaqto rating for over 10 consecutive years and are rated Excellent on Trustpilot*. We’ll drop everything (except the phone) to be there.
Our best available deal every year
We’ve always treated loyalty like royalty so you’ll get our best available price at every renewal.
No cancellation or adjustment fees
We’re transparent, we don’t have any cancellation or adjustment fees.
What does this product cover?
At Uinsure we design our products to ensure they’re always 5 Star rated, with high cover limits and low excess options, ensuring you’re protected. For full details of what’s covered and what’s not covered please refer to the Home Insurance policy wording booklet.
What's covered
£75,000 of contents cover with option to increase to £100,000
Up to £20,000 (£2,500 per item) of cover available for valuables in the home
Up to £75,000 of cover for accidental damage to tech equipment in the home
£3,000 per outbuilding (total limit of £5,000) for theft from secured outbuildings and garages
What's not covered
Damage due to wear and tear
Incidents that occurred before the policy started
Where the property is unoccupied for more than 60 days
Damage caused deliberately, or by, pets
Buildings Insurance
Buildings Insurance covers the structure of your home and any permanent fixtures and fittings.
Contents Insurance
Contents Insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen.
BTL/Landlords Insurance
BTL/Landlords Insurance protects landlords who are renting their property out to tenants from the risks associated.
Non-Standard Insurance
This covers anything that falls outside of Standard Home Insurance limits and requires bespoke cover to ensure you’re protected.
FAQs
To cancel your policy, fill out our cancellation form, give us a call on 0344 844 3844 or email policyholders@uinsure.co.uk.
We’ll give you a full refund if you cancel within 14 days of your policy starting, or when you received your policy documents, whichever is later.
You can cancel at any other time and providing no claims have been made, and nothing has happened that could lead to a claim, you will be entitled to a partial refund of any premium based on the remaining time left on your policy.
Cancel my policyUnlike most other insurers, Uinsure does not charge a fee for amending your policy.
To make a change, simply call us on 0344 844 3844 or email policyholders@uinsure.co.uk.
For your continued protection and to ensure that you are fully insured at all times, your home insurance policy will automatically renew each year, unless you have specifically opted out.
To opt out, complete the opt out form or email optout@uinsure.co.uk a minimum of 30 days before your renewal date.
Your home is by far the most valuable possession you own. Within it is all your personal belongings and the place you feel safe.
However, despite the best protection in place, there is always a risk of fire, theft, damage and natural disasters that can strike unexpectedly. To protect your home against this you will need home insurance. This is an investment to protect your home and belongings in case disaster struck.
Without insurance it is unlikely that you’d be able to afford to repair any damage that should occur which is why it is so important.
Home insurance isn’t a legal requirement, however most mortgage lenders will require buildings insurance to be in place before exchanging contracts.
We want to make claims as easy as possible. Our claims lines are available 24 hours a day and every day of the year. Our highly trained Claims Specialists assist you from start to finish, providing you with clear communication and reassurance, as well as practical help.
You can submit a claim by visiting our dedicated claims page, or giving us a call on 0344 844 3844.
If you need to make a claim, please refer to your policy or contact the claims team. There are a few things which will help:
- Your policy number.
- The date of the incident.
- The cause of the loss or damage.
- Details of the loss or damage together with the value of the item if known.
- Police details where applicable.
- Pictures and videos if possible.
It’s important you get in touch before you undertake any repairs or clean up, unless this is essential for protecting the building or your possessions.
Make a claimFamily legal protection is an optional extra that provides cover up to £150,000 per claim and gives you access to legal expertise covering a range of situations.
Examples include:
- tax
- employment
- residential disputes
- personal injury claims
- consumer protection issues.
Family Legal Protection cover is provided by our partners, ARC Legal Group. You can contact them on 0330 165 9057.
Home emergency is an optional extra cover which you can add to your policy for an additional cost. It provides 24/7 home emergency assistance to cover the cost of:
- repairs, parts and call out charges for loss of heating
- failure of all electricity
- removal of vermin
- securing your home.
If you have a flood or a fire this is different and you should call us on our emergency number.
Home emergency cover is provided by our partner ARC Legal Group. Contact them to make a claim 24/7 on 0330 912 9961.
Should there ever be an occasion where you need to complain, we will sort this out as quickly and fairly as possible.
Please complete the form by clicking the link below.
Or you can write to us at Uinsure Customer Services, PO Box 1189, Doncaster, DN1 9RP (please include your policy number and claim number if appropriate) or call us on 0330 912 8852.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
You can write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, telephone 0800 023 4567 or visit www.financial-ombudsman.org.uk/consumers/how-to-complain
If your complaint is about the way your policy was sold to you, please contact your financial adviser to report your complaint.
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