Contents Insurance

Contents Insurance is best understood as the cover and protection you get for everything you would take with you if you were moving home.

Together Mutual Contents Insurance

Choose the level of cover that's right for you:

  Premier  Premier
Contents £75,000 £150,000
Rent/Accommodation Cover £10,000 £20,000
Excess £100 No Excess
Garden Contents Cover £500 £1,000
Freezer Contents Cover £1,000 £1,000
Trace & Access Cover £5,000 £7,500
Home Emergency Cover Covered  Covered 
Domestic Legal & Identity Theft Protection Optional Covered 
Accidental Damage Cover Optional Covered 
Annual European Travel Cover Optional Covered 

Information in this table relates to the products available when buying directly from Visitors from comparison sites should refer to the product information provided on those sites as they will differ from the products we offer direct. Existing policyholders should refer to the policy documentation received at purchase or renewal.  

Please click here for our latest update regarding the impact of Brexit on your travel insurance.

About Together Contents Insurance

Our Premier and Premier Plus policies cover the contents of your garden as well.

What’s covered?

Our Contents Insurance includes: 

  • Home computer, home office and home entertainment equipment.
  • Furniture, furnishings and household goods.
  • Valuables and clothing.
  • Accidental breakage of mirrors and glass.
  • Replacing and fixing door locks after keys have been stolen.
  • Contents left in the garden.
  • Shrubs, plants and trees.
  • Personal belongings in the home, including those of visitors (£500 limit for visitors).

Working out how much it would cost to replace or repair your belongings can be complicated and time-consuming. To make it simpler for you and to make sure you’re fully covered, we offer up to £75,000 on our Premier Contents Insurance.

A little added peace of mind

It’s possible to upgrade your Premier policy to include: 

  • Accidental damage.
  • Cover away from your property, including when travelling abroad.
  • Cover for sports and camping equipment.
  • Cover for bicycles away from the home (up to £1,000 each, maximum of three).

Personal Possessions Cover (optional cover) 

Personal Possessions Cover is optional and extends the cover provided by Together Contents Insurance and Combined Buildings and Contents Insurance policies. This Cover insures your items in and away from the home and is particularly useful for laptops, mobile phones, camera equipment, camping and sports equipment, money and jewellery.

We offer three sections of Personal Possessions Cover; Unspecified, Specified and Pedal Cycle cover.

  • Unspecified Personal Possessions Cover gives you cover with set policy limits, without the need for listing individual items up to policy limits
  • Specified Personal Possessions Cover would cover a specific item (or items) that cannot be included in the Unspecified Personal Possessions option (such as a mobile phone valued at more than £500). An individual item which is above the single item limit for Unspecified Personal Possessions cover would need to be listed as a Specified Item
  • Pedal Cycle Cover provides protection for up to 3 specified bikes (worth up to £1,000 each) away from the home

What could you be sacrificing for a lower premium?

You should never sacrifice quality of cover for lower premiums. Many cheap home insurance quotes will have low premiums because they’ll have numerous exclusions, potentially leaving you under-insured. For example, cheap insurance policies may not cover: 

  • Laptops.
  • Mobile phones.
  • Bicycles.
  • Expensive items such as engagement rings.

With Together Home Insurance, there are various options that will help reduce your premiums. Rather than compromising on cover to save money, why not spread the costs? With our interest-free direct debit facility, you can spread payments over the year.

If you’re unsure of what your policy covers, simply get in touch with a member of our experienced Customer Services team on 01438 761 670 and they will be happy to talk you through it at any time.

Why get Together?

  • We have over 125 years’ experience in the insurance industry. 

We're easy to deal with

  • We pay 98% of claims in under a month*.

We're always available

  • Our UK-based claims helpline is open 24 hours a day, 7 days a week.
  • Our Home Insurance includes a free, 24-hour legal helpline.

Insurance Product Information Documents (IPID)

To find out more about our Premier and Premier Plus Policies, including what is and what isn't covered and information about payments, please read below:

Together Mutual Premier Home Insurance Product Information Document (IPID)

Together Mutual Premier Plus Home Insurance Product Information Document (IPID)

* Research carried out by UIA (Insurance) Ltd, May 2013.


Get A Quote

Find out how much you can save on your Home Insurance.

Buildings & Contents Insurance

Get an additional 10% off and insure everything in your home in one go with our combined Buildings & Contents Insurance.

Buildings Insurance

Our Premier policy gives you £1,000,000 of cover to protect the physical structure of your home, garage and garden.