UK Home Contents, Possessions & Personal Belongings Insurance

Home Contents or Personal Belongings - Risk & Premium

There are two major determinants to the cost of Contents Insurance.

The sum insured. This is the value of your items, or to be more precise, the declared value of your items. It can be difficult to estimate the value of your items, because there tends to be numerous. Large items such as the TV and fridge are easier, but carpets and items of clothing etc get more 'bitty'. However, if you overestimate, your premium will be higher. On the otherhand, if you underestimate, you will not get fully compensated in the event of a claim. If you have, say �5000 of items, and you insure them for �4000 (because you think that is a correct valuation). If you have a fire in the kitchen, and �1000 of insured items are destroyed, the insurance company will only compensate you �800, from which they will deduct the excess.

Your location. The insurance company will determine a risk of peril associated with each post code. They will determine this risk from crime statistics and their own historical claim data. In effect, this is a reflection of burgulary crimes in the particular area.

There may be additional premium loadings for valueable items, as discussed below.

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