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It pays out for some of the most common reasons a landlord might keep your money at the end of your tenancy. Our optional bicycle cover protects your pedal cycle when you take it out of the boundaries of your home. If you’re a keen cyclist, this option will ensure your pedal cycle is protected in the European area and anywhere in the world for up to 60 days in any one period of insurance. Mobile phones are excluded from our limited Accidental Damage cover. If you would like your mobile phone insured for Accidental Damage, this is included for up to £300 for any one claim, under the Accidental Damage Extension. Your home, and everything in it, is likely one of the most important things in your life.
No, tenants’ contents insurance covers a renters’ personal possessions. What a renter needs to cover property wear and tear is tenants’ liability insurance. Tenants’ liability insurance can cover the costs of any accidental damage to your landlord’s property and belongings that you’re liable for as part of your tenancy agreement. Tenants’ insurance (also referred to as renters’ insurance) is a type of contents insurance that protects your possessions from theft, as well as fire and flood damage while you’re renting.
Insurance policy wording
It’s really important that you read our policy documents to understand exactly what’s covered. To learn more about Contents Insurance Incorporating Tenancy Liability, and Tenancy Liability as a standalone product, take a look at the documents below. It’s important that you read these to understand exactly what’s covered.
An indemnity policy would subtract for wear and tear, so you might only get £300. In this article we'll explain what contents insurance is, how it works, and how to get the right cover at the best possible price. As with all insurance policies, there are a few things that aren’t covered. It’s really important to make sure you calculate the cost of your belongings properly to make sure you’re fully covered.
Home insurance and high value items: Adding them separately
If there’s an issue with the building itself – for example, a wall falls down or the garage roof blows off – it’s the responsibility of the landlord to fix it, not the tenant. If you need to claim because of theft or vandalism, you'll need to report the incident to the police. Make sure you get a crime reference number to give to your insurer. Pet damage is offered by a few policies and may be useful if you share your home with animal companions. Top protection for your valuable item, inside and outside your home.
As a standard feature of your policy, we offer limited Accidental Damage cover for some of your possessions. 1 Limits do apply for certain parts of cover, such as single item limits for valuables or personal belongings. Unlimited cover isn’t available if you have more than five bedrooms and we’ll ask you to specify a cover amount. And even if you take your belongings away from home, we’ll cover you for theft, accidental loss, and damage worldwide.
Protect your belongings with a contents-only home insurance policy.Get a quote online in minutes.
We’ve taken the time to answer some frequently asked questions so you have all the information you need when you go to get a quote. Covers replacement and installation of locks for outside doors or windows and alarms, if keys are lost or stolen. We're sure you'll love our great insurance products but maybe you have a few questions. If you live in a shared home or flat, Renters Insurance covers the things you own.
Give us a call and one of our friendly team will be happy to either answer any questions you might have about our cover, or help arrange your insurance over the phone. There is a combined overall limit of £7,500 for specified, unspecified and pedal cycle extension cover. For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. If you haven't made a claim for 5 years or more, you can protect your no-claims discount. If you already have insurance with us, you'll find the documents for your policy inMyAviva.
Legal services
If you only own a couple of pairs of jeans, a few tee-shirts and a mobile phone, then maybe you don't. But most people have enough possessions that insuring them makes sense. Basically imagine your house completely stripped of everything that's not part of the building. The carpets are gone, the curtains are gone, and the shelves have all been taken out, as well as all your furniture and equipment. It won't cover you if your home is left unoccupied for more than 30 days (though some insurers will make a one-off exception if you ask, for instance if you're going on honeymoon for an extended trip).
To help support, Thistle Tenant Risks promise extensive and innovative marketing support which is specifically designed to increase take up of insurance amongst your tenants and residents. The tenant call-back service and My Home website continue to be used extensively by housing associations and residents. Bicycles worth more than £350 will need to be listed individually on your policy and ‘Cover Away from Home’ selected to ensure they are covered outside of the home.
My role is to demystify financial products, explain people's options and help them make the most of their money. When looking at additional cover options, only pick those you think you might benefit from so that you keep costs down. First, we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.
For instance, if your sofa has collapsed over the years and finally gives up the ghost, that's just tough. On the other hand if a storm blows tiles off your roof, water gets in and your sofa's ruined - fair enough, contents insurance will pay out. With some insurance you'll get these as standard, while other policies will offer them as paid-for extras. For instance if you bought your three piece suite for £1,500 a few years ago, and would cost £1,700 to replace, a new-for-old policy would pay out £1,700.
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