wilko Contents insurance

Contents insurance

protecting the things that make your house your home with insurance that’s right for you

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Why choose wilko for contents insurance?

A+ rated insurer

A+ rated insurer

By using the services of an A+ rated insurer, you can rest safe in the knowledge your claim will be paid ASAP

Renter-friendly options

Renter-friendly options

With how many people are renting in the modern world, wilko is dedicated to offering coverage that works for renters too

Wide range of excesses

Wide range of excesses

We offer a wide range of excess options to choose from starting from just £100, so you can choose the excess that works best for you

Competitive pricing

£20,000 contents cover

We’ll offer you up to £20,000 in total contents coverage, which means you can set aside fears about loss, theft, or damage

What’s covered?

There’s no point buying a policy if it’s not going to do what you need it to do, which is why we’ve compiled some of the most comprehensive cover on the market. Some of our most notable features include:

Theft or attempted theft

Theft or attempted theft

If someone breaks into your home to rob you, we’ll cover loss or damage to your belongings

Fire, water, and storm coverage

Fire, water, and storm coverage

If your home contents are damaged by a fire, a flood, or by a storm, we’ll replace them

Tenant’s liability cover

Tenant’s liability cover

Renting? No problem! We’re offering £5,000 tenant’s liability coverage in case you damage your landlord’s property

Valuables coverage

We’ll insure your valuables (that’s your jewellery, your works of art, even your stamp collection!) up to a total value of £2,000

Accidental damage add-on

Accidental damage add-on

If you damage or break your home contents by accident, our add-on will replace it

Business equipment add-on

Business equipment add-on

If you work from home, you can get our business equipment cover to protect your setup

Personal possessions away from the home add-on

Personal possessions away from the home add-on

All our contents insurance policies cover your personal possessions while they’re at home with you, but what about the things you want to take out and about? What about your fancy watches or your new camera? With our personal possessions away from the home add-on, all these things will be protected even when they’re not tucked away at home.

Contents insurance for you

At Wilko, we know just how precious all the possessions that make your home yours (whether that’s your favourite mug, your sofa, or your knick-knacks) are. That’s why we’ve developed our contents insurance; to keep all the things most precious to you safe.

Wilko Contents Insurance Wilko Contents Insurance Your home is your haven, which is why it’s so important to make sure everything under your roof is protected against damage.
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Frequently asked questions Insurance can be difficult to wrap your head around sometimes, so we’ve put together some of our FAQs for you. Can’t find the answer you’re looking for? Feel free to call us on 0333 344 5418 for more info! Contents insurance

  • 1) What is home contents insurance?

    Home contents insurance covers the items in your home against loss, theft, or damage. Whether you’re looking to protect the sofa you flop onto after a long day, the kettle that gives you your morning cuppa, and any high value items that you saved up for, the wilko home contents insurance is here to give you exactly what you need. Everything in your home plays a part in your life, both big and small, which is why we’ve worked hard to offer you the most complete coverage.

    Our coverage doesn’t stop there! Your home & contents policy might also cover you against accidental damage, cover your business equipment, or cover your possessions while out of the home, depending on any extensions you might have purchased. The specifics of your own personal cover are up to you; just have a look at your documentation for more info.

  • 2) What’s covered by my home contents insurance policy?

    We’ll cover the contents of your home against damage caused by theft or attempted theft; escape of water/oil; storms or floods, as well as subsidence, landslip, and heave – essentially damaging movements in the ground.

    You’re also covered against things you may not have thought of, such as being hit by aircraft and flying objects, as well as anything falling from them (yes, really); vehicles or animals, and fire, explosion, earthquake, lightning, and smoke. That all might sound a little dramatic, but we call our cover comprehensive for a reason!

    If you’ve purchased our accidental damage extension, your policy will also cover the contents of your home against any accidental damage. Business equipment cover will protect any work-related equipment you have in your home such as computers and tablets. Finally, out-of-home cover will extend your contents insurance to protect your possessions even when you take them away from your home.

    For a full breakdown of what’s covered by your policy, please check the policy wording you received at purchase.

  • 3) What’s not covered by my home contents insurance policy?

    You can find a full list of exclusions in your policy wording, but in general, our home contents insurance doesn’t cover wear and tear, deliberate damage, pet damage, or any viruses on your computer – even if the computer is otherwise covered.

  • 4) Can I take out a home contents insurance policy as a renter?

    Yes, we strongly encourage you to take out a home & contents insurance policy if you’re renting. As a renter, the contents of your home are arguably more important to you than they are to homeowners, especially if your furnishings are all your own.

  • 5) Do I get accidental damage cover as part of my home contents insurance policy?

    You can get accidental damage cover, but it isn’t automatically included in the basic home & contents cover provided by wilko. If you want your possessions to be covered against accidental damage, you’ll have to opt for our accidental damage cover extension.

  • 6) Do I get cover for my personal possessions even if they’re away from my home?

    Yes, but you’ll have to select our ‘personal possessions away from home’ add-on when purchasing your policy.

  • 7) Can I get cover for my business equipment?

    Business equipment cover comes as an add-on. If you’d like to purchase cover for equipment used for work – for example, your home office – make sure to opt for our ‘business equipment cover’ extension at purchase.

  • 8) Do I get cover for my contents while I’m moving homes?

    Yes, we cover your contents even when you’re moving home – as long as you’re moving within the UK.

  • 9) Is pet damage covered by my home contents insurance policy?

    No, we’re afraid that pet damage is not covered by your home contents insurance policy.

  • 10) I have an item worth more than £1,000; will it be covered by my home contents policy?

    Yes, your item will be covered! However, you’ll have to specify the item – i.e. what it is and how much it’s worth – when purchasing your policy. Any item that’s made of gold/precious metals or is either jewellery, stamps, medals, furs, watches, or works of art (otherwise known as a ‘valuable’) can only be covered if its value is under £2,000.

Wilko.com is a trading style and owned by CDS (Superstores International) Limited. CDS (Superstores International) Limited is an appointed representative of Best Risk Management & Financial Service Limited, who are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference no. 583497.