Contents Cover

Protect the things you love with Contents Cover

Over the years you’ve probably gathered lots of valuable items that have cost you money. So you want to make sure you have reassurance in the form of Contents Cover. Similarly, if you have a Landlords' Home Insurance policy, you may wish to cover contents in your rental space. Whether it’s your tablet or that coffee table you spent so long searching for, your valuables are what make your home your own.

Imagine if you lost some or all of your belongings due to fire, theft or accidental damage. It would be expensive to replace everything, especially if you didn’t have any cover in place.

But with our Contents Cover you can protect a wide range of your valuables including:

• Household goods: furniture, kitchen appliances, TVs
• Personal belongings: gadgets, smartphones, laptops (with the option to extend your cover with our “All Risks” Cover)
• Valuables: jewellery, paintings, works of art

Who is Contents Cover suitable for?

• Renters
• People who want to insure the valuable contents of their home
• People who want protection against the damage, loss, or theft of their gadgets and personal belongings
• People who are living in an apartment

Benefits of Contents Cover from PTSB

As well as peace of mind, our Contents Cover gives you great protection at a great price.

• 33% no claims discount if you’re 3 years claims free
• Automatic 10% increase in your cover during December and January (to ensure your presents are covered)
• We offer an automatic 10% increase in your cover for the month after your wedding
• Insure your gadgets and important belongings both inside and outside the home with our All Risks cover (optional extra)
• No hidden fees or costs when you pay by Direct Debit
• Emergency assistance cover 24 hours a day, 365 days a year

Cover includes 

Please note: The above information does not reference all of the benefits, terms, conditions, limitations, exceptions and exclusions associated with the Policy. For full details of our Home & Contents Insurance policies, you can download our policy documents to ensure you understand the cover provided.

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Safeguard your valuables outside the home with “All Risks” Cover

Get added peace of mind by protecting your gadgets and personal belongings both inside and outside your home with our “All Risks” Cover option. These optional extras provide cover for items normally brought outside the home such as handbags and smartphones.

There are 2 types of “All Risks” Cover that can be added to your policy: 

Unspecified “All Risks” Cover: this is an umbrella style cover which allows you to select an amount that your personal belongings will be covered for in the event of a loss. The amount you insure your belongings for should be based on the maximum combined cost of all the valuables that you (or any member of the household) stand to lose at any one time. There’s no need to list each item individually. This cover is designed for items such as glasses, ipads and handbags etc. You can also cover your mobile phone, so no need to pay for expensive phone insurance with your phone bill!

No excess applies to certain items such as money, clothing, personal belongings, and sports equipment.

Certain limits apply to Unspecified “All Risks” Cover including: €2,540 for any one item, and bicycles up to a limit of €320 in any one period of insurance.

Specified “All Risks” Cover: with this option you list each item individually on your policy, and specify its value. Specified items normally include jewellery, hearing aids, bicycles, cameras and other valuables. Each item is covered up to the amount you insure it for. No excess applies to any specified items, meaning you don’t have to pay the first part of any claim yourself.