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Your contents cover
Your contents cover
40 articles in this collection
Written by
Harriet
and
Darius Kumana
Contents vs gadget only cover
Are you looking to cover a specific item only and don't need need cover for 'Things in your home'? This article may help...
Written by
Darius Kumana
Updated this week
Landlord's contents
Your tenancy agreement may say you need insurance for your landlord's stuff. If so, just add it to your limit for 'Things in your home' 👍🏼
Written by
Harriet
Updated this week
Macroinsurance – bringing it all together
One plan across all your insurance needs
Written by
Darius Kumana
Updated over a week ago
Is Wrisk an annual policy?
Wrisk cover is a perpetual policy – think of it like a subscription service
Written by
Harriet
Updated over a week ago
Wrisk cover is repair or replace
Rather than new-for-old, Wrisk’s cover is indemnity based meaning we get you back to the position you were in before a loss
Written by
Darius Kumana
Updated over a week ago
Is everyone else in my house covered too?
My stuff, their stuff, shared stuff
Written by
Harriet
Updated over a week ago
What happens if i already have contents insurance?
This is known as double or dual insurance
Written by
Harriet
Updated over a week ago
The items we help you protect
Things in your home
Everything you would take with you if you move home...
Written by
Harriet
Updated this week
Mobile phones
What we insure, to what limit and what you are covered against
Written by
Harriet
Updated over a week ago
Portable electronics
What we insure, to what limits and what you are covered against
Written by
Harriet
Updated this week
Home electronics
What we insure, to what limits and what you are covered against
Written by
Harriet
Updated this week
Bicycles
What we insure, to what limits and what you are covered against
Written by
Harriet
Updated this week
Musical instruments
What we insure, to what limits and what you are covered against
Written by
Harriet
Updated this week
Jewellery
What we insure, to what limits and what you are covered against
Written by
Harriet
Updated this week
What’s covered…
What you’re covered for...
A summary of what’s included
Written by
Harriet
Updated this week
Fire, smoke, lightning, explosion and earthquake
Including resultant pollution damage
Written by
Harriet
Updated over a week ago
Escape of water, oil or heating fuel
The most common cause of loss…
Written by
Harriet
Updated over a week ago
Theft or attempted theft
Whether you’re out and about with your stuff or in the home
Written by
Harriet
Updated over a week ago
Storm or flood
Including any resultant pollution damage
Written by
Harriet
Updated over a week ago
Vandalism or malicious acts
By a lone trouble-maker, group or riot
Written by
Harriet
Updated over a week ago
Terrorism involving the use or threat of force and/or violence
But not nuclear, biological, chemical or radiological terrorism
Written by
Harriet
Updated over a week ago
Impact damage
Including aircraft and anything falling from them, trees and branches, vehicles or animals
Written by
Harriet
Updated over a week ago
Accidental damage (if specified)
What is accidental damage and what is covered for accidental damage
Written by
Harriet
Updated over a week ago
Accidental loss (if specified)
What is the definition of accidental loss and when is it included
Written by
Harriet
Updated this week
What’s not covered…
What you’re not covered for…
A summary of your general exclusions
Written by
Harriet
Updated over a week ago
Any losses where your home is left unoccupied for more than 30 consecutive days
Just imagine 30 days without knowing you have a burst water pipe…
Written by
Darius Kumana
Updated over a week ago
Pre-existing damage
Written by
Harriet
Updated over a week ago
Losses covered by another policy
Referred to as double or dual insurance
Written by
Harriet
Updated over a week ago
Consequential losses
Indirect or consequential financial losses which accompany an insured event, for example loss of earnings
Written by
Harriet
Updated over a week ago
Items of contents used for business more than 50% of the time
This doesn’t mean because you get your work emails on your personal phone we won’t cover you…
Written by
Harriet
Updated over a week ago
Alien abduction
Written by
Darius Kumana
Updated over a week ago
War, civil war and nuclear / biological / radiological terrorist risks
This is different to acts of terrorism by violence or force which is we do include
Written by
Harriet
Updated over a week ago
Injury to visitors or damage to their things
Including any resultant legal fees
Written by
Harriet
Updated over a week ago
Damage by pets
Scratching, fouling, chewing, tearing…
Written by
Harriet
Updated over a week ago
Wear & tear i.e gradual damage
Certain items will eventually have to be replaced anyway…
Written by
Harriet
Updated over a week ago
Manufacturing fault
Or electrical / mechanical breakdown
Written by
Harriet
Updated over a week ago
Zombie apocalypse
Written by
Darius Kumana
Updated this week
Sonic bangs
Written by
Harriet
Updated over a week ago
Computer viruses
A corrupting piece of code that might destroy data or corrupt your computer system
Written by
Harriet
Updated over a week ago
Damage or loss caused by radioactive contamination
Written by
Harriet
Updated over a week ago