Contents vs gadget only cover

Are you looking to cover a specific item only and don't need general contents? This article may help...

Written by Darius Kumana
Updated over a week ago

Landlord's contents

Your tenancy agreement might say you need insurance for your landlord's stuff. If so, just add it to your general contents limit 👍🏼

Written by Harriet
Updated over a week ago

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

General contents

Household and personal goods and appliances whilst in the home

Written by Harriet
Updated over a week ago

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 over a week ago

Home electronics

What we insure, to what limits and what you are covered against

Written by Harriet
Updated over a week ago

Bicycles

What we insure, to what limits and what you are covered against

Written by Harriet
Updated over a week ago

Musical instruments

What we insure, to what limits and what you are covered against

Written by Harriet
Updated over a week ago

Jewellery

What we insure, to what limits and what you are covered against

Written by Harriet
Updated over a week ago

What you’re covered for...

A summary of what’s included

Written by Harriet
Updated over a week ago

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 over a week ago

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 over a week ago

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