Contents Insurance

We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you.

What's it for?

It covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. Some policies cover you for items you take outside, for example cameras, jewellery and briefcases. Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident. It is always vital that you thoroughly read and understand the full policy terms and conditions.

If not already covered by your contents insurance, you may want to consider travel insurance for loss or damage to your personal belongings whilst travelling.

What isn't covered?

Anything beyond the maximum amount your insurer says they will pay, and it may pay a maximum amount on single articles. You'll need to specify the value of the contents. Some companies have limits on the value of any one item under the general policy so you'll need to specify individual items such as expensive jewellery or camera equipment, for example. Your cover may also be affected or cancelled if you leave your home empty for a long period of time, or if you let it out. Damage to the building itself is also not covered; this needs to be covered separately with Buildings insurance – see Buildings insurance.

Keeping costs down

Many insurers will offer discounts if you have a burglar alarm, window locks or if you're a member of a Neighbourhood Watch scheme. You may also get a deal if you combine contents and buildings insurance.

Most policies have a standard excess charge which means you agree to pay the first part of any claim, for example the first £50 or £100. If you agree to pay a higher excess you might get a cheaper policy.

Always compare what's covered by a policy, not just the price – the key policy information will help you do this. Some might be cheaper than others, but they may not offer the same level of protection.

Level of cover

Some contents insurance policies offer new for old. This means they'll replace old damaged appliances and possessions with new ones when you claim.

Bear in mind that your premiums may increase the following year, or the insurance company may refuse to cover you for the same risk if it happens more than twice, for example.

 

Typical Benefits Include

  • Accidental Damage Cover - Includes: Accidental damage cover as standard, for televisions, radios, disc players, satellite receivers and video tape players.
  • Credit Card Misuse
  • Deeds, registered bonds and personal documents
  • NCD- Maximum discount offered: 1 year – 5%, 2 years – 15%, 3 years – 30%, 4 years – 32.5%, 5 years – 35%.
  • Domestic outbuilding contents (other than garages)
  • Door lock replacement
  • Frozen food
  • Garden
  • Gold, silver, jewellery and furs
  • Money
  • Seasonal/ Wedding increase info - Up to 10% increase in contents cover throughout December, and 14 days before and 14 days after your wedding

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Please note there will be a minimum fee of £225.00 for the Residential Mortgage Advice given which will be payable upon completion of the mortgage. This fee may however change dependent on the size of the loan.

For Commercial mortgages 0.5% of the mortgage advance (for example on a mortgage advance of £150,000 our fee will be £750.00 payable on completion).

Buy to Let Mortgages a minimum fee of £225.00 will be payable on completion of the mortgage, although this fee may change dependent on the size of the loan. 

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages & commercial mortgages.

Registered Name: Haley Financial Services Limited 2, Turnberry Drive,Whitestone,Nuneaton,Warwickshire,CV11 6TT Registered in England and Wales No 05188529 is authorised and regulated by the Financial Conduct Authority. FCA Registration No 313461. Click here to visit the FCA website

Registered Address: As above. 

You must be 18 years and over to take out a mortgage. The guidance and /or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.