TENANTS CONTENTS & POSSESSIONS INSURANCE IN THE UK

Tenants Possessions Insurance from UK & Ireland Insurance, provides insurance for tenant's belongings whilst living in rented accommodation, such as shared flats or houses.

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TENANTS POSSESSIONS INSURANCE - COVER EXPLAINED

We offer two types of cover. Basic Cover: provides you with essential protection plus a range of optional extensions that can be selected to suit your specific insurance requirements. Comprehensive Cover: includes all the benefits of Basic cover plus a range of additional inclusive cover items.

COVER DESCRIPTION

SUM INSURED

BASIC COVER

COMPREHENSIVE COVER

PERSONAL POSSESSIONS WITHIN THE INSURED ADDRESS£2,000-£8,000INCLUDEDINCLUDED
DESKTOP COMPUTER EQUIPMENTItem Limits ApplyINCLUDEDINCLUDED
LAPTOP & PORTABLE COMPUTERS | ACCOMMODATION ONLY£500-£2,000 OPTIONALINCLUDED
CRIMINAL ASSAULT£500OPTIONALINCLUDED
LEGAL EXPENSES£30,000OPTIONALINCLUDED
ACCIDENTAL DAMAGEItem Limits ApplyOPTIONALINCLUDED
PERSONAL ACCIDENT£10,000EXCLUDEDINCLUDED
CREDIT/DEBIT CARDS£500EXCLUDEDINCLUDED
PERSONAL MONEY£50EXCLUDEDINCLUDED
LANDLORDS PROPERTY | TENANTS LIABILITY£5,000INCLUDEDINCLUDED
LEGAL LIABILITY£1,000,000EXCLUDEDINCLUDED
LAPTOP & PORTABLE COMPUTERS | ALL RISKS£500 - £2,000OPTIONALOPTIONAL
ALL RISKS | SPECIFIED ITEMS£0 - £1,000OPTIONALOPTIONAL
MOBILE PHONES£200OPTIONALOPTIONAL
PEDAL CYCLES£250OPTIONALOPTIONAL

INSURED PERILS

Items are covered within the insured address on a "new for old" basis against loss or damage by fire, flood, storm, theft, escape of water and other similar causes. Except clothing, linen and rented household goods where a deduction is made for "wear and tear".

BASIC COVER: WHAT'S INCLUDED?

  • Possessions within the insured address: Cover available from £2,000 to £8,000 in total.
  • Desktop Computer Equipment: Cover included automatically. Item limits apply.
  • Landlords Property | Tenants Liability: Up to £5,000 in total as standard. 

BASIC COVER: OPTIONAL EXTENSIONS

Basic Cover can be extended to include any of the following items:

  • Laptop & Portable Computers | Accommodation Only: Cover for the standard perils within the insured address.
  • Accidental Damage: Cover for accidental damage to audio equipment, camera equipment, computer equipment,games consoles, televisions, video and DVD players within the insured address.
  • Criminal Assault: Up to £500 cover for costs incurred to you as a direct result of a criminal assault.
  • Legal Expenses: Cover up to £30,000 for claiming against another personfor personal injury they cause you. Also includes cover for taking legal proceedings against another person or organisation as a result of.
      a. A dispute over a contract for buying, selling or renting goods or services.
      b. A person or organisation breaking the requirements of Part II, section 13 of the Data Protection Act 1988; and where breaking those requirements results in you losing money.
  • Laptop & Portable Computers | All Risks: Cover outside of the insured address for accidental damage or theft anywhere within the UK.
  • Specified Items | All Risks: Cover up to £1,000 for specified items outside of the insured address for accidental damage or theft anywhere within the UK. (Excluding Laptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insured under separate optional extensions available).
  • Mobile Phone Cover: Cover for accidental damage or theft of your mobile phone anywhere within the UK up to £200 in total.
  • Pedal Cycle Cover: Cover for accidental damage or theft of your pedal cycle anywhere within the UK up to £250 in total.

COMPREHENSIVE COVER: WHAT'S INCLUDED?

  • Possessions within the insured address: Cover available from £2,000 to £8,000 in total.
  • Desktop Computer Equipment: Cover included automatically. Item limits apply.
  • Landlords Property | Tenants Liability: Up to £5,000 in total as standard.
  • Laptop & Portable Computer Equipment: Cover is provided within the insured address as standard. Item limits apply.
  • Accidental Damage: Cover for accidental damage within the insured address.
  • Criminal Assault: Up to £500 cover for costs incurred to you as a direct result of a criminal assault.
  • Legal Expenses: Up to £30,000 of cover.
  • Personal Accident Cover: Up to £10,000 cover included automatically.
  • Legal Liability Cover: Up to £1,000,000.
  • Fraudulent use of Credit & Debit Cards: Up to £500 cover for fraudulent use of your credit & debit cards following theft from your accommodation.
  • Personal Money Cover: up to £50 following theft from your accommodation.

COMPREHENSIVE COVER: OPTIONAL EXTENSIONS

Comprehensive Cover can be extended to include any of the following items.

  • Laptop & Portable Computers | All Risks: Cover outside of the insured address for accidental damage or theft anywhere within the UK.
  • Specified Items | All Risks: Cover for specified items outside of the insured address for accidental damage or theft anywhere within the UK. (Excluding Laptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insured under separate optional extensions available).
  • Mobile Phone Cover: Cover for accidental damage or theft of your mobile phone anywhere within the UK up to £200 in total.
  • Pedal Cycle Cover: Cover for accidental damage or theft of your pedal cycle anywhere within the UK up to £250 in total.


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0844 576 8365*

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