Contents insurance covers all your personal possessions that you keep within your property. A simple way to explain this is; contents insurance will cover for anything that if you tipped your house upside down would fall out. Examples of contents are as follows:
Contents policies will usually provide cover against theft, fire, vandalism, accidental damage, water leaks or explosions.
Some companies will even cover the cost of replacing locks if your keys are stolen.
Food in freezers and refrigerators is also covered with some providers, up to a specified limit.
Personal Money and Credit Cards can also be covered, up to a specified limit.
Certain providers will also cover you for increased cover during Christmas and weddings
When arranging contents cover you will be asked to estimate the value of your contents. This can be made easier by using our contents calculator form.
Contents cover outside the home
Policies can offer cover for items that you regularly take outside the home, which could include jewellery, bicycles, laptops, mobile phones and other handheld gadgets; this will be subject to an additional premium.
We can provide the ‘all risk’ cover for Cyprus only or for Worldwide, depending on the Insurance provider.
All home insurance policies are subject to certain exclusions, so always make sure that you check your documents and ensure that any information you have given is up to date.
Most insurance policies can be extended to cover you for full Accidental damage. This will be subject to an additional premium.
What is an Excesses?
An excess is the contribution you pay towards each and every claim.
Your responsibility in the event of a claim:
Making a claim
If you find yourself having to make a claim on your policy, consider these tips to make the process easier:
Why would a claim be invalid?
In the event of a claim it may be made invalid for the following reasons:
Once you have taken out a policy your insurer will send to us the following: