Included as standard within contents insurance is accidental breakage to televisions (and their aerials), video and audio installations, satellite dishes, receivers or decoders, games consoles or desktop personal computers within or fixed to your home.
Cover is also provided for fixed glass in furniture (but not glass in pictures or clocks) and ceramic hobs in free-standing cookers.
Available as an optional extra is Accidental Damage cover. This covers unexpected and unintended damage caused by something sudden and external.
Accidental Damage would be required in order to claim for events that are not covered under the accidental breakage benefits. An example of this would be spilling wine on a carpet, where purchasing accidental damage would be required to make a claim.

Items you take outside your home are not covered automatically for loss, theft or damage by our contents insurance.
If you want to insure everyday items you take outside like mobile phones, watches, jewellery, laptops or pedal cycles you’d need to add personal belongings cover.

High risk property means jewellery, precious stones, articles made from gold, silver and other precious metals, clocks, watches, furs, photographic equipment, binoculars, telescopes, musical instruments, collectors’ items, pictures and other works of art, rare and unusual figurines and ornaments, guns, collections of stamps, coins or medals.
We treat pairs or sets of items as one item. Carpets, furniture and curtains are not classed as high risk property.
In the event of a claim for any individual items of high risk property worth more than £5,000 named on the schedule, a professional valuation not more than three years old will be required as proof of value and ownership.
The replacement value of all high risk property within the home must not exceed £15,000. This limit applies within (not on top of) the maximum claim limit for contents.
Items that you wish to insure when away from the home should be specified in the personal belongings section below and are covered separately and are not included within this limit.

These items must be specified on your policy schedule to be covered away from your home. High risk property means jewellery, precious stones, articles made from gold, silver and other precious metals, clocks, watches, furs, photographic equipment, binoculars, telescopes, musical instruments, collectors’ items, pictures and other works of art, rare and unusual figurines and ornaments, guns, collections of stamps, coins or medals.
We treat pairs or sets of items as one item. Personal belongings means items worn, used or carried by you or your family in daily life, but not money, credit cards or items held or used for business purposes.
In the event of a claim for any individual items of high risk property worth more than £5,000 named on the schedule, a professional valuation not more than three years old will be required as proof of value and ownership.

This is the amount you would be required to pay in the event of a claim on the contents element of your policy. In the event of a claim involving both buildings and contents, only the higher of the buildings or contents excess will be payable (not both). Please note that a minimum excess of £350 applies in the event of a claim relating to escape of water.