Home Contents Insurance

Mortgage lenders do not insist that you take out cover for your home contents, as they are your personal possessions and your mortgage provider has no financial interest in them. However you most certainly do!

You would be taking a severe financial risk not to insure the contents of your home!

What would be classed as contents?

The best way to think about this is that if you were to move home, your contents would be everything that you would normally take with you.

How much should you insure for?

It is extremely important that the sums insured for your contents policy represent the full replacement value for the contents of your home in their entirety. If you under insure, even if you make a claim which is not for the full sums insured the insurers concerned will probably not pay your claim in full or even refuse payment altogether.

You should get a pen and note pad and enter each room of your house making notes of all the items present in each room (don’t forget the contents inside cupboards, wardrobes, garages, sheds, in the loft etc). Write down against each item what the cost of replacement as new would be. When you have completed this task for each room you can total everything and get a good idea how much your total sum to be insured for should be. Remember that you are better setting your sum insured slightly higher than you need rather than facing the consequences of being under insured. The table below was recently produced by a leading A.B.I insurer in respect of an average three bedroom house and gives you a good idea of how to perform the exercise and also shows how the total contents value of even a modest home can add up.

HOW DOES YOUR HOME COMPARE?
ARE YOU SLEEPING PEACEFULLY?

GRAND TOTAL = £37,033

The levels of cover provided by home contents insurance and premiums charged can vary greatly from one insurer to another and therefore we would advise that you compare a range of different contents policies before making your decision to purchase insurance.

Autolink Direct Ltd can help you to do this, as we can obtain quotations from a good range of insurers and products giving a fair analysis of the market and good range of cover options.

New for old cover
Accidental Damage Cover
No Claims Bonus Discount
Pedal Cycles
Frozen food cover (depending on age of freezer)
Personal Money & Credit Cards
Discounts for Voluntary Excess
Security Discounts available
Valuables Cover
Personal Possessions Cover (Outside the home).
Property Owners Liability
24 Hour claims helpline available
Cover for contents temporarily in the garden

HAVE YOU HAD THE SAME HOME INSURANCE POLICY FOR YEARS AND YEARS?

NOT HAD TIME TO LOOK AROUND?

YOU COULD BE PAYING WAY TOO MUCH!

Getting a quote is easy, let us search for the best deal for you by CONTACTING US today. Go on! What have you got to lose?