Simple Process | Award Winning Contents Insurance Broker
Contents
Insurance
To Suit You.
It’s free to speak with a contents insurance adviser 7-days a week.
Discover The Easy Way
Same Day Appointments
Let's get started today.
Quick Decisions
Stop waiting weeks to get a decision.
Transparent Advice
Don't be left in the dark anymore.
Same Day Appointments
Let's get started today.
Quick Decisions
Stop waiting weeks to get a decision.
Transparent Advice
Don't be left in the dark anymore.
We Can Search Thousands Of Contents Insurance Deals
The Journey to Protecting What Matters Most
Initial
Meeting
Let’s grab a coffee (or a Zoom). This is where we get to know you, your concerns, and your protection goals. Think of it as a relaxed chat to set you on the right path to financial security. You talk, we listen!
Personalised
Package
We’ll craft an insurance plan tailored to your needs, complete with all the suitable options. We’re like your personal insurance matchmaker, finding the best deal to make protecting what matter most easy.
We Do
The Rest
Leave the paperwork, provider chasing, and all the heavy lifting to us. All you need to do is sit back and relax while we make it happen behind the scenes. Our award-winning insurance team is available 7-days a week.
You Are
Covered!
Your new insurance is set up, and it’s time to pop the bubbly! Like all our 5-star customers, you are now financially protected should the worst happen.
“Going above and beyond is what we do; we LOVE our job, and most of all, we LOVE helping our clients.”
If you need any form of Contents Insurance Advice, then make an appointment with one of our advisors today. We aim to make protecting your family as easy as possible.
Contents Insurance Facts
Contents insurance typically covers personal belongings within your home against risks like theft, fire, flood, and other types of damage. This includes furniture, electronics, clothing, and appliances.
There are two main types of contents insurance: “as new” (or “new for old”) and “indemnity” (or “wear and tear”). “As new” policies replace lost or damaged items with new ones, whereas indemnity policies take depreciation into account.
Standard contents insurance policies may not cover accidental damage, such as spilling wine on a carpet. However, accidental damage cover can usually be added for an additional premium.
High-value items such as jewellery, watches, and antiques may have coverage limits. You may need to list these items separately on your policy or remove additional coverage to ensure they are fully protected.
Contents insurance can often be extended to cover items taken outside the home, such as mobile phones, laptops, and bicycles. This is sometimes referred to as “personal possessions cover.
Many contents insurance policies include cover for the cost of temporary accommodation if your home becomes uninhabitable due to an insured event, like a fire or flood.
Common exclusions from contents insurance policies include damage caused by pests, wear and tear, and acts of war. Policies also typically have limits on the amount you can claim for specific items or types of damage.
Why Use Protex Financial For Contents Insurance Advice?
Here at Protex Financial, we strive to focus only on you. This is why we can offer the best range of contents insurance advice with access to thousands of products the insurance market offers. Our contents insurance brokers can search thousands of products to ensure you are getting the most suitable deal you can possibly get.
The FCA, the Financial Conduct Authority, regulates our team at Protex Financial. This means everything we do is for you; we must offer you the leading and most suitable insurance options, rates, and contents insurance advice.
Frequently Asked Questions
Contents insurance is a policy that protects your personal belongings within your home against risks like theft, fire, flood, and accidental damage. This can include furniture, electronics, clothing, and other personal items.
Yes, even if you rent your home, contents insurance is important. Your landlord’s insurance will cover the building but not your personal belongings. Contents insurance will protect your items against various risks.
Create an inventory of all your belongings and estimate their replacement value. Use receipts, purchase prices, and current market values to ensure you have an accurate total.
Standard contents insurance policies typically cover your items within your home. However, you can add “personal possessions cover” to protect items you regularly take outside, such as mobile phones, laptops, and bicycles.
“New for old” policies replace lost or damaged items with new ones. In contrast, “indemnity” policies consider depreciation and provide the current value of the item at the time of loss or damage.
Common exclusions include damage from wear and tear, pests, and acts of war. High-value items like jewellery may have coverage limits unless specifically listed and insured separately.
Yes, you can change your contents insurance policy mid-term, but it’s important to review any cancellation fees or penalties. Shopping around for better rates or coverage and discussing options with your current insurer can help you make an informed decision.
Increasing your policy excess, installing security systems, and maintaining a good credit rating can help reduce your premiums. Additionally, shopping around and comparing quotes from different insurers can lead to better deals.
Contact your insurance provider as soon as possible. Provide necessary documentation, such as receipts, photographs, and police reports (if applicable). Follow the insurer’s claims process to ensure a smooth resolution.