Contents Cover

Cover under the contents section

This contents insurance policy will repair or replace items that are lost or damaged by any of the following events:

• fire, smoke, explosion, lightning or earthquake
• storm, hail or weight of snow
• flood
• escape of water from dishwashers, washing machines, fixed water tanks, apparatus or pipes
• escape of oil from a domesic fixed oil-fired central heating installation
• theft or attempted theft
• collision by any vehicle or animal
• collision by aircraft or other flying devices or items dropped from them
• falling trees, branches, aerials, aerial fittings, telegraph poles or lamp posts
• riot, violent disorder, civil commotion, labour and political disturbances or strikes
• malicious damage or vandalism
• subsidence

The following are also covered:

• theft or attempted theft from a private home where the customer is working or temporarily living or from a bank deposit (up to 10% of the sum insured)
• theft from accomodation where any of the customer's family are studying away from home (up to £4,000)
• costs of replacing locks to safes and outside doors in the customer's home following theft or loss of your keys (up to £750)
• cost of replacing food in fridge or freezers if these fail (up to £300)
• cost of alternative accomodation (up to 20% of the sum insured)
• increased domestic metered water charges following an escape of water (up to £1,500)

The standard amount of contents cover a customer will receive is £40,000. If a customer requires higher levels of cover they can increased the sum insured to £60,000 by paying an additional premium.  If the customer requires more cover we can arrange for Sterling to provide an individual quotation, for more information click here.

Accidental damage to televisions, satellite decoders, audio and video equipment, radios, home computers and home office equipment is included as standard.

Customers can also choose the excess they require and extend their cover to include accidental damage to contents. Any no claims years can be transferred from the customer's previous insurer.

All our panel of insurers subscribe to the same policy conditions. This means that you can choose the best price for your customer without affecting the cover they receive.  

This page is only intended for use by 3XD registered intermediaries.