It is estimated that up to 60 % of people are underinsured on their Contents, resulting in claimants being unable to fully replace items following a partial or total loss.
Merritt Insurance Arranges Cover For:
All Risks, Worldwide coverage including Accidental Damage – Automatically included. There is no need to allocate the items that are within or away from the home as everything is covered worldwide.
No Restrictive Single Article Limits – Our policies do not impose single article limits for General Contents.
Family Members in full time education – The contents of sons or daughters is normally automatically included whilst they are residing away from home in full time education.
Removal by Professional Contractors – When moving house your Contents are automatically covered so no need to buy the Removers insurance.
New for Old Coverage – In the event of a loss insurers pay on the basis of ‘new for old’ settlement even on clothing.
Contents of Domestic Staff – Guests and Domestic Staff residing in your home are automatically included.
Home Business Property – Automatically included with generous policy limits.
No Average or Underinsurance clauses – Policies from our insurers do not have ‘average or underinsurance clauses’ that can result in a proportional reduction in claim payments.
Tenants’ Improvements – Flat or apartment owners should consider this insurance for the additional fixtures and fittings they have installed to their property which may not be covered by the building ‘block’ insurance policy.
The list of items that may be included within the General Contents section is extensive.
To assist you in establishing correct sums insured for General Contents please Click here for a copy of our General Contents Checklist.