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Contents insurance that protects the things that matter most
Our home contents insurance gives you peace of mind in the face of the unexpected.
When you switch to UW, our Defaqto and Moneyfacts five-star-rated cover can help you with the cost of repairing or replacing your most treasured possessions.
Sign up to become a customer, then add Contents Insurance via My Account, the UW App or by calling 0333 777 0221
What is Contents Insurance?
Contents insurance, or contents cover, is a way to help protect your high-value and prized possessions if something goes wrong. It helps you to look after your belongings in the face of:
Theft
Damage
Vandalism
Flooding or a fire
Without contents insurance, it can be costly to repair or replace the things you own. From clothes and furniture to electronics, contents cover gives you extra protection for the things that make your home a home.*
*Exclusions apply. Please refer to the Home Insurance policy documents.
What’s included in UW’s Contents Insurance?
Our Contents Insurance covers anything that can be moved from one place to another, unlike Buildings Insurance, which only extends to the structural parts of your property.
Home contents insurance covers:
Electronics
Kitchenware and white goods
Furniture
Soft furnishings
Clothing
Jewellery
Items in the garden
With Contents Insurance, all of the above will be insured against damage, loss, and more. So, if disaster does strike, your expensive and sentimental possessions will be covered.*
*Exclusions apply. Please refer to the Home Insurance policy documents.
What’s not included
The following exclusions apply in respect of Contents Insurance:
Any loss, damage, or liability caused deliberately
Damage caused by wear and tear over time
Damage caused before your policy start date
Electrically or mechanically powered vehicles
Loss or damage caused by pets or domestic animals
Contents Insurance cover limits
We know that not all possessions are equal, which is why we offer different cover limits based on what you want to insure. Here’s a quick breakdown of our cover limits:
Type of Cover | What Does It Cover? | Cover Limit |
|---|---|---|
Contents Insurance | Covering the value of your possessions in the home*. | £80,000 |
Office Equipment | Replacing any of the furniture, computing and any other equipment that you and your family use for work. | £5,000 |
Digital Information | If you lose information stored on your computer through a malicious program or an unauthorised source. | £2,000 |
Alternative Accommodation | For you and your pets, in case you can't live at your home while it's being repaired after an insured event. | £8,000 |
Loss of food | If you lose food in your freezer due to a change in temperature or contamination from the refrigerant. | £1,000 |
Theft or malicious acts to contents in outbuildings | Should someone cause damage to the contents inside your shed, we've got you covered. | £3,000 |
*Exclusions apply. Please refer to the Home Insurance policy documents.
How to tailor your Contents Insurance to suit you
Underinsuring your contents can mean you won’t receive the proper level of protection, should the worst happen. That’s why at UW, we set a generous maximum cover limit of £80,000 to help account for all the things that matter the most.
And to make sure your Contents Insurance policy is right for you, you choose your voluntary excess amount. This gives you control over how much you’ll pay towards a claim.
With our Contents Insurance, your excess is made up of two separate amounts:
Voluntary excess – This is the amount you choose to pay towards any claim that you make.
Compulsory excess – This is set by us and can’t be changed.
Deciding your voluntary excess can impact the cost of your overall premium: a higher voluntary excess can reduce the cost of your overall Contents Insurance, but you’ll have to contribute more towards each claim.
It’s important to consider what you can afford to contribute should you need to make a claim when deciding your excess amounts.
Add extra protection
If you want to boost your Contents Insurance cover, we also offer a range of optional add-ons:
Personal possessions
While our contents insurance covers belongings kept at your address, this protects certain items when you take them outside your home.
Pedal cycles (outside the home)
Our contents insurance will protect your bicycle when stored at your address, but this add-on gives extra cover for when you hit the road.
Home emergency
Emergencies can be unexpected and have a devastating impact. We can cover various home emergencies relating to plumbing, electrics, water supply, drainage, central heating, gas supply, lost keys, roofing and pests.*
Legal expenses
Legal fees are often overlooked but can put you seriously out of pocket. Our add-on includes various legal expenses, including personal injury, consumer disputes, home rights, taxation, employment, and more.
Which cover is right for you?
Whether you’re renting a house or purchasing your first home, we’ve broken down our insurance options to suit everyone:
Contents Insurance
Contents insurance protects the belongings inside your home that aren’t part of the fixed structure. You’ll get cover against theft, weather damage, vandalism, and more. It’s ideal for renters who don’t own the property that they live in but still want to protect their treasured possessions.
Buildings Insurance
Buildings insurance covers the structure of your home, for example, the roof, the doors, and any extensions – essentially anything that’s permanently fixed and can’t be moved. Renters won’t need to worry about building insurance, but landlords and homeowners will need to consider it if they want to protect their property.
Home Insurance
Our Buildings Insurance, Contents Insurance or combined comprehensive Home Insurance policy including both building and contents cover in a single policy. This means you’ll be protected against loss, damage, or theft to the structure of your home and your possessions inside.
How to get Contents Insurance with UW
Our contents insurance is exclusive to UW customers. Whether you want to switch or add to your bundle, we’ve made getting a cover simple.
New to UW?
Switch to UW and start enjoying our fantastic savings right away.
Already a UW customer?
Log into your online account to get a quote.
Why choose UW
We do all the legwork
We work with our panel of insurers who compete on price to provide the same great UW cover for your policy.
Our best price year-on-year
When your contents insurance is up for renewal, we’ll ask our panel to bid again and provide you with the lowest price for the exact same cover. So you’ll automatically get the cheapest price from our panel every year.
Five-star-rated cover
Our comprehensive cover has been five-star-rated by independent insurance experts, Defaqto and Moneyfacts.
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Contents insurance that protects the things that matter most
Our home contents insurance gives you peace of mind in the face of the unexpected. Content cover can help you with the cost of repairing or replacing.