Contents insurance

From carpets to computers, protect (nearly) everything you own with contents insurance.

Protect the contents of your home against loss or damage with our contents insurance, underwritten by Aviva.

You can apply for our home insurance if you’re over the age of 16 and have a property in the UK (excluding the Channel Islands and Isle of Man).

If you've had a quote within the last 90 days you can pick up where you left off.

Minimum premiums, T&Cs, exclusions and limitations apply.

Optional extras

Pick and choose extra cover to make sure your contents insurance policy protects everything you need it to.

Accidental damage (contents)

knocking over an ornament and damaging it
sitting on your glasses at home
spilling a drink on your carpet
damage to portable computers when in the home.

Restrictions

the excess(es) shown on your schedule
food in freezers, clothing, contact lenses, stamps and pedal cycles
damage caused by wear and tear, light, weather conditions, moths, vermin, insects, fungus, damp, rust, wet or dry rot, or anything which happens gradually
damage caused by chewing, scratching, tearing or fouling by domestic animals.

Personal belongings

protect your personal belongings, wherever you are in the world
you can select cover between £2,000 and £10,000.

Restrictions

limitations apply to personal belongings stolen from an unattended vehicle
under the Personal Belongings option we don’t cover snowboards, skis (including sticks and bindings), water skis, sub-aqua equipment, riding tack, contact lenses and hearing aids unless we have specifically agreed to do so.

Pedal cycles

covers you between £300 and £2,500 towards loss or damage

Restrictions

loss or damage to tyres or accessories unless the pedal cycle is stolen or damaged at the same time
theft while away from the home, unless in a building or securely locked to an immovable object.

Clerical business equipment cover

up to £5,000 of cover is available for loss, damage or theft of clerical business equipment, including £500 of cover for stock and samples used in connection with your employment when stored at your home
up to £300 for business money and credit cards used for the purpose of your business.

Restrictions

clerical business stock or trade samples doesn't include wines, spirits or tobacco; furs, antiques or works of art; jewellery, precious metals, stones or any articles made from them; chemicals or any hazardous materials.

Before you apply

Policy documents

Here's some essential reading on home insurance. We know it might not be the most exciting, but it’s definitely important.

What's not covered by our contents insurance?

any excess on your policy schedule
contents wear and tear
we'll reduce the amount we pay for clothes or household linen (e.g. bedding) to reflect wear and tear
damage that happens after the home has been left unoccupied for longer than the period shown in your policy
loss or damage caused by domestic animals
motorised vehicles, aircraft, boats, boards and other craft and any parts, spares or accessories.

Other exclusions apply - please read the General Exclusions section of the Policy Booklet (PDF).

Limitations for our contents insurance

Certain limitations may apply to your policy. For example:

the excess (the amount you have to pay on any claim)
monetary limits for certain covers
clauses that exclude certain types of loss or damage.

Please make sure you read the first direct Home Insurance Product Information Document (PDF) before getting a quote or applying. You'll find full details of the policy in our Policy Booklet (PDF).

Apply online for our contents insurance.

Or give us a call on 03 456 100 101. We’re available 8am-8pm Mon to Fri, 9am-5pm Sat and 10am-4pm Sun (may be different on public holidays).

For details on how we use your personal information, please see our Privacy Notice (PDF).

first direct Home Insurance is underwritten by Aviva Insurance Limited. Please read Aviva's Privacy Notice shown within the application.