Get the best coverage for your contents
Contents cover can be obtained as part of your existing household insurance or as a stand-alone policy. If your personal belongings or possessions are damaged then we’ve got you covered.
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Top policy features
Contents in outbuildings
Protects items stored in sheds, garages, or other outbuildings that are on your property
Loss of Keys
Covers the cost of replacing locks and keys at your property if they are lost or stolen
Replacement as New
Replacing damaged or stolen items with new ones
Worldwide Cover
Protection for personal belongings anywhere in the world, such as jewellery laptops and mobile phones
What we cover
Here’s a breakdown of what our policies offer for Building and Contents cover.
| Contents Cover | Available? | Contents Cover | Available? |
|---|---|---|---|
| Storm and flood cover | Alternative accommodation | ||
| Escape of water | Contents in garage | ||
| Malicious acts and vandalism | Contents in the open | ||
| Subsidence cover | Contents temporarily removed from the home | ||
| Loss of rent and alternative accommodation | Freezer contents cover | ||
| Accidental breakage to glass | Weddings and special events uplift cover | ||
| Replacement locks cover | Stolen credit card cover | ||
| Tracing and Access | Occupiers' liability | ||
| Family legal protection | Family legal protection | ||
| Emergency repair cover | Emergency repair cover | ||
| Theft or attempted theft | Money cover | ||
| Cover for escape of oil | Accidental breakage of mirrors or glass |
Policy Excess
When you take out a household insurance policy, there are two main types of excess to consider: compulsory excess and voluntary excess. Understanding these can help you make informed decisions about your coverage and manage your premiums effectively. Dickson’s can help explain these to you.
Policy Excess
When you take out a household insurance policy, there are two main types of excess to consider: compulsory excess and voluntary excess. Understanding these can help you make informed decisions about your coverage and manage your premiums effectively. Dickson’s can help explain these to you.
- Compulsory Excess
- Voluntary Excess
Compulsory Excess
A compulsory excess is a fixed amount set by your insurer that you must pay when you make a claim. This amount is non-negotiable and is determined by the insurer based on various factors, such as the type of coverage and the risk profile of your property. For example, if your compulsory excess is £200 and you make a claim for £1,000, you will receive £800 from your insurer after paying the £200 excess.
Set by the insurer: The amount is predetermined and cannot be changed by the policyholder.
It may vary by claim type: Different types of claims (e.g., subsidence, water damage) may have different compulsory excess amounts
Non-negotiable: You must pay this amount for any claim you make.
Voluntary Excess
A compulsory excess is a fixed amount set by your insurer that you must pay when you make a claim. This amount is non-negotiable and is determined by the insurer based on various factors, such as the type of coverage and the risk profile of your property. For example, if your compulsory excess is £200 and you make a claim for £1,000, you will receive £800 from your insurer after paying the £200 excess.
Set by the insurer: The amount is predetermined and cannot be changed by the policyholder.
It may vary by claim type: Different types of claims (e.g., subsidence, water damage) may have different compulsory excess amounts
Non-negotiable: You must pay this amount for any claim you make.
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Comprehensive Car Insurance
This includes TPF+T cover, plus any other accidental damage caused to your own vehicle.
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Third Party, Fire and Theft (TPF+T) Car Insurance
This cover includes TPO cover, plus loss or damage if your car is stolen or damaged in a fire.
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Third Party Only (TPO) Car Insurance
Third Party insurance cover is the minimum legal level of cover needed to drive a car. If you cause damage to someone else's property or injure them while driving, that person will receive appropriate compensation.
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Other covers
We can also offer some great benefits alongside our policies such as Legal cover, Accident & Breakdown cover, Excess Protect and Key Protect. We also offer a free 24-hour claims helpline to all of our policyholders to ensure you have someone to help you when you most need it.
Tailor your policy
- Accidental Damage
- Trace and Access cover
- Replacement as New
- Worldwide Cover for Contents
- Home Emergency cover
- Fine art of other collectibles
- Automatic increased cover for Christmas presents
YourHome Insurance Plan
- Contents Cover
- Home Emergency
- Trace and Access
Don’t just take our word for it
I have dealt with the staff in your Newry office for a long time and the service I receive from them is second to none.
GP, Newry
Keep up the good work.
JO’S, Fintona
I am very satisfied with your service – I have used this brokerage for nearly 25 years and recommended you to family and friends
MC, Limavady
Great customer service.
TM, Dungannon
Totally satisfied with everything.
KL, Cookstown
Service provided is excellent.
TT, Carrickmore
The service is excellent, very prompt and efficient to deal with.
VMcC, Newcastle
Staff good and very helpful.
ZO’M, Enniskillen
Support information
In the event of significant damage to your home, the Dickson team are here to help. Your cover can be tailored to ensure you have the best protection in place.
Dedicated Claims Team
Our highly specialised in-house claims team will work on your behalf with insurers, loss adjustors, and suppliers.
Dickson Claims Assist
Your own loss assessor service who will negotiate with insurers on your behalf, help manage the paperwork, and work with contractors to get your home back to normal.
Temporary Accommodation
If you're unable to stay in your home becasue of the damage, your insurer can offer cover to move you and your family and pets into accommodation nearby.
FAQs
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Buildings insurance covers the structure of your home, including walls, roof, and fixtures and fittings. Contents insurance covers the personal belongings inside your home. Both types of insurance can be insured separately, or combined under a single policy.
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Make an inventory of all your belongings and estimate their replacement cost. We can help supply you with checklist that will help with this. It’s vital that your sum insured is accurate, otherwise in the event of a claim, whether a partial loss or total loss, you may not receive a full claim pay out.
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Your Contents policy will usual offer Personal Possessions cover, which protects your belongings when you take them outside your home when travelling or commuting. for any high value items over a certain amount, you’ll be asked for specific details of what they are and how much they’re worth.
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Accidental damage cover is offered as an optional add-on to your Contents insurance. It insures against unintentional damage to your belongings, such as spilling wine on a carpet or dropping a TV.