More Than Contents Insurance
More Than insurance group provides contents insurance for your home like many of the other insurance companies.
They are currently offering £75,000 worth of free contents insurance if you take out buildings insurance cover. This is a lot higher than many other companies and should cover most households at this time.
Like with other insurance companies they will cover you for most things and have an easy 24 hours a claims and help line. The policy is underwritten by Royal Sun Alliance Insurance PLC.
What Do They Cover ?
The cover is quite extensive and they also provide insurance for all the items your children may take to school such as portable games consoles and personal stereos. The overall cover is as follows:
- Possessions in the home such as furniture
- Electrical products such as televisions, hi-fis, home cinema systems, laptop and personal computers, printers etc
- Glass furniture and mirrors
- Specific one off expensive items such as jewellery and technical goods
- Contents of freezers if it breaks down or there is an electricity power cut
- Home office contents such as computers
- Items in the garden and shed
- Replacement locks and keys
Additional Benefits
As with all policies you want to ensure that certain items are not only covered but what happens if you have to make a claim on your policy. The more than insurance has the following benefits:
- New for old cover in the event of damage by fire, flooding, theft, water damage, or storms
- Accidental damage to electrical equipment and breakage of glass and furniture (it excluded general wear and tear)
- The cover is increased by 10% during December to cover Christmas gifts and one month before and after a wedding
- You can also increase the cover for individual items over £1,500 and for personal possessions outsided of the home
Specialist at Hand
If you ever need to make a claim then they have a 24 hour hotline to get you urgent repairs such as plumbers if you have a burst pipe or a locksmith if you have a burglary.
Cheap Contents Insurance from More Than
With most people underestimating the value of their home contents the More Than policy that covers £75,000 looks like a good deal. And with this cover being completely free of charge if you take out buildings insurance then the savings can be quite substantial. If you just want to take out contents insurance only then they offer a generous 25% online discount.