No need for buildings insurance because you’re renting?

We’re upfront about any fees related to your policy. Here’s a quick breakdown:

Arrangement Fee – £30 – covers setting up or renewing your insurance and preparing your documents.
Mid-Term Adjustment Fee – £25 – applies if you make changes during the policy term (such as vehicle or address updates).
Cancellation Fee – £40 – There will be no fee if you cancel within 14 days of the policy start date (you’ll only pay for the time covered). After that, a £40 fee applies, plus time covered.

Need help? We’ll always explain any fees in advance. Have questions? Our team is here to help – just reach out.

Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm.

You can pay your premiums monthly by Direct Debit if you want to. Unlike many other insurers, we won’t charge you extra on top of your normal yearly premium.

You need to think about all the things you have within your home and how much it would cost to replace them as new. Check your receipts and prices of items as you’ll probably be surprised how much it will add up to. £35,000 contents cover is provided, as standard.

Call the UK based claim line on 0345 218 0429 Mon-Fri 8.00am-6.00pm. An out of hours service is available by calling the same telephone number.

You can add these to the personal possessions section of your Contents Insurance quote, which covers accidental loss, damage or theft to any of your personal belongings worldwide (such as jewellery items, cameras and mobile phones).

The minimum cover we offer is £2,000 (no single item worth more than £2,000). However, if you have a single items worth more than this amount, then this will be covered if it is specified on your policy at an extra cost, which can be done when you get a quote.

Contents are the items you use to furnish your home, such as carpets and furniture, also including all your personal belongings e.g. jewellery and clothing.

If you need to change your policy, call our UK-based helpline. Please note your policy premium may change depending on what you want to change.

Call us on: 0151 242 7640 Mon-Fri 9.00am-5.00pm.

What fees are payable?

£25 fee applies if you make changes during the policy term.

If you need to cancel your policy, call our UK-based helpline on 0151 242 7640 Mon-Fri 9.00am-5.00pm.

You will be charged for the period of time you have been on cover, subject to a minimum premium of £28 (including insurance premium tax where applicable). If you make a claim, or are going to make a claim, you will be required to pay the full annual premium.

Is there a cancellation fee?

There will be no fee if you cancel within 14 days of the policy start date. After that, Police Mutual will apply a £40 fee.

This policy insures against the main perils such as fire, theft and escape of water as standard. In addition, we also automatically include accidental damage, which covers damage to televisions, computers, stereos, mirrors, glass, and accidental loss of heating fuel or metered water (up to £5,000).

Extended accidental damage can be added to your policy, at an extra cost, to cover any damage that may be caused by you or your family, including examples such as putting a nail in a wall and bursting a pipe, or spilling wine or paint on your carpet.

You can pay for your policy either annually by card, or monthly (via Direct Debit) and, unlike many other insurers, we won’t charge you extra on top of your normal annual premium.

If this policy doesn’t meet your requirements, our team will be happy to discuss your needs. Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm

Valuables mean:

• Stamp, coin or medal collections
• Pictures
• Other works of art
• Items of gold, silver or any other precious metal
• Jewellery
• Furs