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

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.