Contents insurance

• Accidental damage cover
• Valuables – you must let us know what these are. See below for more information.

Our contents insurance policy includes cover for valuables such as jewellery and precious metals, clocks and watches, pictures and works of art, stamps, coins or medal collections whilst in your home.

Although jewellery insurance is included in your policy as standard, you still need to think about what it might be worth. Unique or very valuable items may need extra cover or special terms.

Our standard level of contents cover includes the following limits for valuables:

• Up to £10,000 for 1 or 2 bedroom properties
• Up to £15,000 for 3-bedroom properties
• Up to £20,000 for 4 or 5 bedroom properties.

If you have chosen your own contents sum insured, your valuables limit will be around 35% of this amount.

You must tell us if any one item or collection is worth £3,500 or more.

It’s always best to keep proof of purchase, photographs, and any legal documents that help to prove ownership of these items in case of a claim.

Ecclesiastical customers may receive a discount on valuations through our preferred supplier network, which includes professional valuation services.