Benefits of our Home insurance policies
- FREE Home Emergency Cover
- FREE Family Legal Cover
- 24 Hour Claims Service
- New for old replacement
Getting you cheap home contents insurance quotes
Whether you’re a tenant or a home owner; contents insurance offers protection for your belongings and personal items; things like furniture, electrical appliances and clothes. It isn’t compulsory, but will ensure you aren’t left with a huge financial burden if they are damaged or stolen.
However, when it comes to buying contents insurance there are a seemingly endless number of options from an equally endless list of insurers, which can make comparing cover and prices a confusing task. That’s where One Call Insurance comes in; we eliminate the hassle and save you money by comparing contents insurance policies from a list of leading insurers, highlighting the amount of cover provided by each and the price you’ll have to pay to get it.
Features & Benefits
Home Emergency Cover
Home Emergency Cover is included as standard when you buy contents insurance via One Call Insurance. Providing 24/7 cover for utilities such as central heating failure, plumbing and drainage issues, electrical failure and security issues, it enables you to make up to three claims in a single policy year.
Family Legal Cover
Included as standard when you compare and buy contents insurance with One Call insurance, Family Legal Cover provides cover for the cost of advice on what you might be able to recover in the event of an accident at your home, in a public place or while at work. It also includes a referral to a solicitor and a 24 hour helpline should you need it.
Family Legal Cover
Family Legal Cover is included as standard on home insurance policies that are bough via One Call Insurance. It specifically provides cover for the cost of legal Advice on what you can recover in the event of an accident at home, in a public place or at work, referral to a solicitor who can act on your behalf and access to a 24 hour helpline.
24/7 Claims line
When you buy contents insurance via One Call Insurance; you will have access to our own UK based claims line 24 hours a day, 7 days a week. This makes reporting a claim quick and hassle free, and enables us to get to work on processing it much sooner.
New for old replacement
New for old replacements comes as standard when you compare and buy contents insurance via One Call Insurance. It means that if your possessions are lost or damaged, rather than getting refurbished or pre-owned replacements, you’ll be given brand-spanking new ones or be paid out in line with the cost of obtaining brand new replacements.
Generally speaking contents insurance provides cover for:
- Electrical appliances i.e. fridge, freezer, washer, dryer
- Clothes i.e. clothes, shoes, personal effects
- Furniture i.e. beds, wardrobes, sofas, shelving units and draws, dining table and chairs
- Soft furnishings i.e. cushions, throws, bedding
- Kitchen contents i.e. pots, pans, plates, bowl, chopping boards, cutlery, freezer contents
- Home entertainment i.e. TV, DVD, stereo, computer, games console
- General household items i.e. books , paintings, ornaments, clocks
- Toys & games
It covers these items (and many others) against loss or damage caused by:
- Vandalism or malicious damage
- Water leaks
Some contents insurance policies also offer the following…
Aside from the basics that make up a contents insurance policy and dependent upon the insurer, you may also have cover for things like:
- Possessions away from home - Cover for items that are frequently taken outside the home isn’t included as standard by all insurers. However, some of those that don’t include it may offer it as an extra. This tends to include cover for bicycles, jewellery, mobile phones, laptops, cameras and other gadgets. If in your home at the time of loss or damage; they should be covered as standard.
- Accidental damage - Not all contents insurance policies provide cover for accidental damage as standard, but most will at the very least give you the option to add it on as an extra.
- Sports equipment – Some insurers include cover for sports equipment i.e. golf clubs, skis/ski wear, scuba diving kit, some offer this cover as an extra, and a small number don’t cover it at all.
- Special events increase - A number of insurers automatically increase your sum insured for a period of time (usually 30 days) either side of a major celebration i.e. Christmas or a Birthday in order to provide extra cover for any gifts that are in your home.
- Cash at home – Some insurers include cover for physical cash that you have at home. The amount of cover provided will vary by insurer, but is likely to range from £200 to £1,000.
- Loss or theft of keys - Most policies incorporate cover for the cost of having new locks fitted as a result of an existing key being lost or stolen. Some insurers extend this cover to incorporate malicious and accidental damage to locks.
- Theft from outbuildings - Contents insurance often automatically includes cover for contents that are kept either permanently or temporarily in secured outbuildings, sheds, garages, gazebos and greenhouses.
Most contents insurance policies come with exclusions and although they can differ by insurer, here are the most common:
- Acts of god - The ‘Acts of God’ clause is present on almost all insurance policies and essentially means that your insurer reserves the right not to accept a claim if it is for loss or damage caused by war, terrorism or an unprecedented natural disaster to name just a few potential scenarios. The definition of this clause tends to vary by insurer so it’s worth checking the small print before you buy contents insurance.
- DIY disasters - Although the odd insurer may provide cover for DIY disasters and others might offer it as an extra, it isn’t generally included.
- Sub-letting - Insurers won’t automatically provide cover for subletting. Some may be willing to add the cover as an extra while others will simply refuse to provide you with cover if you have or intend to sublet part of your home.
- Unoccupied properties - Most insurers won’t provide cover if your home is left unoccupied for long periods of time, generally defined as 30 or more consecutive days within a 12 month period. For this you’ll need unoccupied property insurance.
- Business equipment - Business equipment isn’t usually covered by on a contents policy and you should therefore check with your insurer before you buy contents insurance. You may need a business contents policy.
The 'declared value' is the collective value of all possessions that you would like to be covered for under a contents insurance policy. This is calculated by you and should be as accurate as possible as to avoid a claim being underpaid and you personally being left out of pocket.
Meanwhile, 'sum insured' is the total declared value with the addition of a buffer to take into account any inflation that may occur during your policy term. This is calculated by your insurer.
According to the ABI Property Premium Tracker, the average home has contents worth £45,000 and an average contents insurance premium of £135. However, the amount you will have to pay to get covered will depend on your own circumstances, where you live, what possessions you have, how much it would cost to replace them and how an insurer translates this information into risk.
For example, a high risk might look like this...
- Your house is situated in an area prone to flooding and is left unoccupied for months on end.
- Your list of contents includes a number of high-value antiques and some high-value jewellery and watches.
- You have made two high-value contents insurance claims in the last two years.
...and a low risk might look like this:
- Your house is situated in a quiet cul-de-sac and the area isn’t prone to flooding.
- Your list of contents doesn’t include any high-value items.
- You have never made a contents insurance claim and have proof of seven years No Claims Discount (NCD).
There's nothing worse than overpaying for something you could have got cheaper elsewhere and that's especially true when it comes to insurance. Thankfully there are a number of things you can do to ensure you get the best possible contents insurance deal; these are:
- Compare contents insurance - When you're looking to insure your contents, it's' all too easy to accept the first quote you obtain, but doing so won't guarantee you the best price. It's therefore important to compare options form a number of insurers. However, you should also consider differences in cover rather than focusing on price alone.
- Increase your excess - Most contents policies have a voluntary excess, often ranging from £0 to £500, increasing this will effectively give you a discount on your contents insurance premium, but means you will have to pay a higher excess in the event you need to make a claim.
- Combine your home and contents insurance - A combined home and contents policy will usually work out cheaper than buying individual policies. However, if you're a tenant this might not be applicable as the building usually remains the responsibility of the landlord/property owner.
- Build up a NCD - Just like car and home insurance, insurers offer a discount for every claim free year you have on a contents insurance policy; usually up to a maximum of 7 years and 70% discount. This discount can be transferred from one insurer to the next so if you've had contents insurance previously and are simply looking to switch provider, you should be able to use it to reduce your premium.
With One Call Insurance, you can obtain a contents insurance quote online in 90 seconds. To make this possible; you will need to provide us with the following information:
- Home address - Your full home address, property type, size and how many internal rooms you have i.e. 4 bedrooms, 2 bathrooms, 1 reception room, 1 kitchen.
- Locks and alarms - Details of the type of locks you have fitted to all exterior doors and windows. Here's a handy guide should you otherwise be unable to identify them.
- Contents and their value - You will need to have an idea of what contents you have and how much it would cost to replace them. It’s important to get this as accurate as possible as any shortfall in cover could leave you out of pocket. For example, if you specify contents to the value of £25,000, but actually have contents to the value of £50,000; you might only be paid out for half of their actual value, potentially leaving you £25,000 out of pocket.
- List of high value items - Details of any ‘high value’ items that you would like to insure. The threshold for high value items varies by insurer, but is often in the region of £1,000 - £1,500; any items that have a higher value must be listed individually on your policy.
- Details and value of any claims - Information relating to any claims you have made in the last five years i.e. circumstances, dates and value. This includes instances where a claim has been refused or where you have discussed making a claim, but for whatever reason didn’t proceed and subsequently no pay out was made.