Contents Insurance

kelly_2009

Please could anyone offer me so good advise.

It is the first time I have had to look at getting insurance and well I am getting confused with which company to go for and what to look for.

I live a private rented house and the landlord has buildings insurance so I only have to look for contents to cover my items. I have had a few quotes of different companies but when I read reviews into the companies none of them are good.

Has anyone got any advise as to what company is the best to go with and kind of things I need with my policy e.g legal cover,accidental damage etc.


I have had quotes off LV, Shelias wheels, co-op and many more

any advise welcome

DirtyDick

A lot of high street banks offer contents insurance. Or ask your LL for their advice; it'd be in their interests to direct you to a reputable one that'd pay for any damage in excess of your deposit.

minniemarie

I can recommend LV. I had a fire and I've never had a issue with accommodation/deep cleaning/ contents costs etc In fact my loss adjuster said they were one of the best. One thing I would say is don't under insure. Keep in my mind what it would cost if you had to replace everything new regardless of if you paid 50 quid for your friends old tv, how much would it cost you to buy a new one? etc..

I would also add accidental cover as this doesn't just cover you for dropping the iron on the carpet for example but for any works done in an adjoining property which end up damaging your own.