Tenants Contents Insurance

Underwritten by Ageas, the Cavere Tenants Contents Insurance product is designed specifically with the residential tenant in mind.

Ageas is an international insurance group ranked among the top 20 insurance companies in Europe, with key markets in Europe and Asia, and a heritage spanning more than 190 years.

  • Contents Cover Limits

    CoverStandard Policy Limit
    Contents Cover Maximum Claim Limit£80,000
    High Risk Property In The Home33% of the Contents sum insured
    Business Equipment Cover£5,000
    Business Equipment Single Item Limit£2,000
    Contents In The Open, Within The Boundary Of The Home£1,000 (limit for any one item £300)
    Personal Money£200
    Credit Cards£1,000
    Deeds & Documents£500
    Meteed Oil Or Water£2,000
    Theft Of Contents From An Outbuilding Or Garage£1,000
    Theft Of Contents From A Secured Outbuilding Or Garage£2,500
    Public & Personal Liability£2,000,000
    Liability For Domestic Employees£10,000,000
    Tenants Liability20% of the Contents sum insured
    Unpaid Damages£2,000,000
    Contents Temporarily Removed20% of the Contents sum insured
    Rent & Alternative Accommodation20% of the Contents sum insured
    Replacement Locks & Keys£250
    Household RemovalContents Sum Insured
    Fatal Injury£5,000
    Shopping In Transit£400
    Compulsary Evacuation Alternative Accommodation£500
    Downloaded Data£500
    Personal Legal Protection For Contract Disputes£50,000

     Optional Cover Extensions

    CoverStandard Policy Limit
    Accidental DamageContents Sum Insured
    Accidental BreakageContents Sum Insured
    Freezer Food£250
    Personal Belongings Away From The HomeChoice of £1,000 – £10,000
    Maximum Single Item Limit (Unspecified)£2,000 (all items over £2,000 must be specified)
    Cover For Personal Belongings Away From The Home (Specified)Maximum item limit £10,000. Maximum overall limit £10,000
    Pedal CyclesMaximum item limit of £1,000 per cycle
    Mobile Phone CoverMaximum item limit £2,500 per phone. £15,000 limit per policy.
    Personal Legal Protection For Employment, Property, Personal Injury, Tax, Legal Defense And Identity Theft£50,000

    Standard Policy Excess Amounts

    CauseExcess Amount
    Standard Policy Excess£100
    Escape Of Water£250
  • For Policy claims please call 0344 854 2076

    How to make a claim

    If you are aware of an incident that might give rise to a claim or you need to make a claim, you must do the following as soon as possible: Call our claims helpline on 0344 854 2076 to report the incident.

    • Tell the police as soon as reasonably possible if something is lost or if you suspect theft or malicious damage.
    • Take all practical steps to get back any property which has been lost.
    • If we have asked you to fill in a claim form, send this back to us, with everything we have asked for, within 30 days of us sending it to you.
    • Immediately send us any written claim which is made against you, and give us full details of any verbal claims made against you.
    • Take reasonable action to protect the property from loss or damage.

    You must not:

    • throw away, get rid of or destroy items that are damaged until we say so;
    • admit or deny responsibility for any incident; or
    • negotiate or settle any claims made against you by anyone else, unless we agree in writing that you can.

    We can negotiate, defend or settle, in your name and on your behalf any claims made against you. We can also take legal action in your name but for our benefit to get back any payment we have made under this policy.

    It is a condition precedent to the Insurer’s liability to pay any claim under the policy that you pay the premium.
    If you do not pay the premium, the insurer will not be liable to pay any claims under this policy.

Product Downloads

  • Policy Wording

    A PDF copy of your full policy terms & conditions

    View Download
  • Insurance Product Information Document (IPID)

    A PDF summary of the policy features

    View Download

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