You will need to work out how much it would cost to replace your belongings.

The policy will cover:

• the current replacement cost of items that are less than 5 years, or
• the current replacement cost less an allowance for wear and tear on items over 5 years old, clothing and household linen.

Read the information below about valuables and making sure you are adequately covered and then download the checklist from the right of this page to work out, room by room, the replacement cost of your belongings.

Valuables

These are items which are particularly prone to theft, such as jewellery. The maximum amount of cover for valuables with this policy is 1/3rd of total sum covered.

It is limited to £1,250 for any one valuable item.

Making sure you are adequately covered

The minimum values you can insure for are:

• £6,000 for customers aged 60 or over, or residents of sheltered or supported accommodation
• £9,000 for all other residents
  

How much will I have to pay?

You can pay your annual premium in one lump sum, by cash, cheque, Girobank credit or postal order (payable to Royal & SunAlliance).

Alternatively, you can pay weekly. fortnightly or monthly through Girobank at your local post office. If you choose this option you will receive a Girobank payment book when you receive your policy. 

You can find out how much your insurance will cost by downloading the contents insurance scheme document from this page.