Are there any exclusions with accidental damage?
Yes, there are. For any breakages or damage, while your home is left unoccupied or unfurnished for more than 60 days in a row, you won’t be covered. Clothing, contact lenses and deterioration of food are not covered too, along with normal aging or wear of your belongings (for example fading curtains caused by the sun) or intentional damage.
See our home insurance policy wording for full exclusions.
What cover do I need if I rent?
Before you take out any cover, check with your landlord or letting agent to understand what cover is included in your agreement.
Generally for rented properties; you’ll only have to take out contents only cover. You can take the option to buy accidental damage for your contents.
Will I get brand new items?
You will get new replacement items of the same or similar make and model of the item you are claiming for.
New-for-old home contents insurance replaces an item that's been stolen or damaged and cannot be repaired, will be replaced with a new object of the same replacement value. For example, if your television is stolen we'll replace it with an equivalent new one, even if it's several years old. Terms and conditions apply, see our home insurance policy wording for full exclusions.
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