We insure the structure of your home, but our cover doesn’t include what’s inside it (your furniture and your personal belongings).

If you have to replace the contents of your home, it could prove very expensive. We therefore strongly recommend that you get your personal belongings insured against events including:

  • accidental damage
  • fire
  • theft
  • flooding/escape of water

We work with a major insurer to offer home contents insurance that can be paid in weekly instalments. Unlike some insurances, on this scheme, exclusively for our customers, there are no excesses – so nothing to pay in the event of a claim.

The policy is underwritten by Aviva Insurance Limited and administered by Sheffield City Council. 

Household goods & contents

When you take out this insurance, your household goods and contents will be insured whilst in your home and replaced on a new for old basis, up to the amount specified (except linen and clothing which will be replaced at their current cost, less an amount for wear and tear.

The insurance also covers the cost of new keys and locks if your keys are lost or stolen, as well as the contents of your freezer. 

How long your policy runs for

Your policy, under this scheme, does not have an annual renewal date. Your policy will remain in force from the date of commencement (or as otherwise shown on your Policy Schedule) as long as you continue to pay your premium.

You should review the level of cover that you have chosen on a regular basis to make sure that it is sufficient to cover your needs.

Cost of insurance

Only available to people over 60

  • Sum insured £6,000; weekly cost standard cover = £0.98 
  • Sum insured £7,000; weeky cost standard cover = £1.14 
  • Sum insured £8,000; weekly cost standard cover = £1.30

The payments shown are inclusive of Insurance Premium Tax (IPT) at the appropriate rate.

Available to everyone

  • Sum insured £9,000; weekly cost standard cover = £1.46
  • Sum insured £10,000; weekly cost standard cover = £1.63
  • Sum insured £11,000; weekly cost standard cover = £1.79
  • Sum insured £12,000; weekly cost standard cover = £1.95
  • Sum insured £13,000; weekly cost standard cover = £2.11
  • Sum insured £14,000; weekly cost standard cover = £2.28
  • Sum insured £15,000; weekly cost standard cover = £2.44
  • Sum insured £16,000; weekly cost standard cover = £2.60
  • Sum insured £17,000; weekly cost standard cover = £2.76
  • Sum insured £18,000; weekly cost standard cover = £2.93
  • Sum insured £19,000; weekly cost standard cover = £3.09
  • Sum insured £20,000; weekly cost standard cover = £3.25
  • Sum insured £21,000; weekly cost standard cover = £3.41
  • Sum insured £22,000; weekly cost standard cover = £3.58
  • Sum insured £23,000; weekly cost standard cover = £3.74
  • Sum insured £24,000; weekly cost standard cover = £3.90
  • Sum insured £25,000; weekly cost standard cover = £4.06
  • Sum insured £26,000; weekly cost standard cover = £4.23
  • Sum insured £27,000; weekly cost standard cover = £4.39
  • Sum insured £28,000; weekly cost standard cover = £4.55
  • Sum insured £29,000; weekly cost standard cover = £4.71
  • Sum insured £30,000; weekly cost standard cover = £4.88
  • Sum insured £31,000; weekly cost standard cover = £5.04
  • Sum insured £32,000; weekly cost standard cover = £5.20
  • Sum insured £33,000; weekly cost standard cover = £5.36
  • Sum insured £34,000; weekly cost standard cover = £5.53
  • Sum insured £35,000; weekly cost standard cover = £5.69
  • Sum insured £36,000; weekly cost standard cover = £5.85
  • Sum insured £37,000; weekly cost standard cover = £6.01
  • Sum insured £38,000; weekly cost standard cover = £6.18
  • Sum insured £39,000; weekly cost standard cover = £6.34
  • Sum insured £40,000; weekly cost standard cover = £6.50

The payments shown are inclusive of Insurance Premium Tax (IPT) at the appropriate rate.

How to apply

You will need to complete an application form to apply.