Home insurance - Is the contents cover sufficient?
Who is your issue with?
Explains your rights to you
You'll find no legal jargon in our simple, comprehensive consumer rights sections. Our guidance is tailored specifically for every type of issue.
Helps you prepare your emails
We provide a wide range of flexible email templates for you to adapt to your needs – just slot in the specific details for your case, and in a few short clicks your issue will be ready to go.
Creates a case file for you
Your case file is a secure online location for all important documents regarding your issue. You can upload photos, tickets, copies of receipts or external emails from before you raised your issue with Resolver.
Lets you record all your communications
One of the most important aspects of a complicated issue is keeping a record of all your correspondence regarding the complaint – Resolver does this for you automatically.
Lets you know when to escalate your complaint
If you’re not satisfied with the initial response from the organisation you have an issue with, our escalation process will let you know when you can raise your complaint to the next level of seniority and, ultimately to an ombudsman or regulator, where appropriate.
Go through each room of your home and record all your contents with the current value. Having an inventory of your home contents will help you enormously in the event of any claim. You should make sure that your sum insured is sufficient to replace all the contents as new at current prices, with no allowance for depreciation and wear and tear. Your insurer will suggest a minimum sum insured based on the details you provide but if the figure they suggest is not sufficient you should choose a higher sum insured.
‘Valuables’ are items composed of precious metal or precious stones, jewellery, watches, furs, curios and works of art, computer equipment, money or portable electrical equipment other than televisions or radios, and these need to be specified on your insurance certificate in order to be covered up to a certain amount – bear in mind that this will increase your premium. In order to add these you should contact your insurer in writing and ask to have these items added to your policy (some online home insurance policies may allow you to add items online).
Some contents insurance policies cover outdoor structures like sheds, garages, gazebos and greenhouses (check your policy small print to see if you’re covered). Be aware that if your home insurance policy does indeed cover outbuildings, you may have to upgrade the contents insurance to cover specific valuable items such as expensive tools or an expensive bicycle. Once again, check your policy small print or contact the insurer to see whether you need to extend the cover. resolver recommends that you submit your concern in writing, and resolver can assist you in submitting, recording and reminding you when and who to escalate to.
Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know
- If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.
If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.
Find the best rights for you
We have 4,982 pages of rights advice for you covering 7,428 companies and organisations across 17 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.
Start by telling us the name of the company or organisation you have an issue with.