Contents Insurance

Fitted kitchens including ceramic hobs are covered under buildings insurance. The contents of your kitchen such as the furniture, dinnerware and furnishings will be covered under your contents.

In some cases proof of valuation or purchase receipt, dated within the last three years, is required within 30 days of the start of your policy. Photocopies or good-quality photographs are acceptable as long as they can be clearly read. They can be sent to us by post or email.

Please ensure that your policy number is noted on any document you send.

Post - FREEPOST EUI LTD
Email - customerservices@admiral.com

Yes, all Admiral polices cover theft. (Please note: our Admiral level of cover does not include theft from garages or outbuildings, but this is included on the Gold and Platinum tiers) For further details, including the limits that apply, please refer to your policy documents.

All bicycles under the value of £350 are automatically covered while in and away from the home. (Please note: our Admiral level of cover does not include theft from garages or outbuildings).

Bicycles worth more than £350 will need to be individually listed on your policy and ‘Cover Away from Home’ selected so they’ll be covered outside the home. For more information, read about our bicycle cover.

If you own the contents of your home, it's your responsibility to insure it. Only the building and permanent fixtures and fittings are the responsibility of your landlord.

Contents cover isn’t compulsory, but that doesn't mean it should be overlooked. Could you replace everything in your home if it was damaged or stolen?

This is the total value of all the possessions in your home, including any items in the garden. It doesn’t include fixtures or fittings such as walls, windows and fitted kitchen, which are covered by buildings insurance and don’t need to be included in your contents’ total.

To calculate the value of your contents you quite simply add up the value of all the items you’d take with you if you moved house, including carpets and curtains. This amount should be enough to cover all the contents in your home, including any valuables (high risk items) taken away from home or kept in your garage, shed or outbuildings. Use our contents calculator for guidance

Your contents cover will increase (up to the amount showing in your policy documents) for 30 days before and after the date of a celebration. It includes Christmas or other religious festivals, wedding or the birth of a child and covers the gifts and food bought for these events.

Yes, carpets fall under our definition of 'contents' and you should include the cost of replacing your carpets when working out the value of your contents. If you want carpets to be covered for accidental damage make sure this has been selected.

Yes, please keep any damaged items in a safe place. We may need to inspect them or need to see them as evidence of proof of ownership which could help us settle your claim faster.

We will pay for the loss or damage to money in your home up to the limit shown on your policy schedule.

All of our policies cover damage to trees, shrubs, plants and lawns as standard.

While we cover your garage and contents, restrictions may apply in relation to theft from a garage or outbuilding.

You can find out more about the restrictions in your policy booklet.

It's a condition of your policy that you tell us before you move. We can usually move your cover to the new property, but occasionally we’re unable to cover the new address.

If you rent out your property, standard buildings and contents cover isn’t enough – you need landlord insurance. Otherwise if you need to claim and haven’t told your insurer you're renting out the property, they may refuse to pay.

The main type of insurance is landlord buildings insurance. Depending on your needs and the property you rent out, you may also want to consider these:

• Landlord contents insurance
• Landlord liability insurance
• Loss of rent insurance
• Legal expenses insurance
• Landlord home emergency insurance

If you have a Gold or Platinum contents policy with us, 'contents at university' cover is included as standard and we'll pay up to the amount shown on your policy schedule. This protects you or your family's contents from loss or damage, while they are temporarily living away while attending full-time education.

The contents must be kept in a locked room at college/university halls of residence, student accommodation or boarding school.

Unlike car insurance, you don’t need to have contents cover by law so you won’t be prosecuted if you’re caught without it. However, this type of cover protects everything you own inside your home so it's worth having.

No, this type of cover is totally optional but it could be essential for you if something were to happen to your home contents. Think about everything in your home - your tech, furniture, clothes - all of your belongings. Could you afford to replace them if something happened to them?

Admiral offers three types of policy which provide a different amount of cover depending on what you need.

Admiral Platinum provides full cover including:

• Audiovisual accidental damage
• Accidental breakage of mirrors or glass
• Full contents accidental damage