Important Customer Notice

For policies which had a start date on or before 30 September 2024, Renters Insurance was provided by Royal & Sun Alliance Insurance Limited. Click here to view all the key Renters’ Insurance documents.

Great value if you just need to cover the things you own

  • If you’re renting, chances are that your landlord’s insurance will only insure the building you live in, not the things you own
  • Protect your valued possessions, from your mobile phone to your television, bike, your laptop and even your digital downloads
  • Spread the cost into convenient, interest-free monthly payments

What’s included

Police Mutual provides:
  • Interest-free monthly payments if you choose
Renters’ Insurance covers for:
  • Overall sum insured from £35,000 with up to £20,000 for tenant improvements
  • Personal Possessions away from home – cover starts from £2,000 (if selected, additional costs will apply)
  • Pedal cycles outside of the home, up to £500
  • Digital downloads like apps and games, up to £1,000
  • Alternative accommodation following an insured loss, to help you sleep easy

What’s not included

Cover for:
  • General maintenance, wear and tear
  • Cost of replacing items as a result of mechanical failure or breakdown
  • Damage if your home has been unoccupied for more than 60 days
Apply for Renters’ Insurance

Need to claim?

If you need to claim on a Royal & Sun Alliance policy taken out on or before 30 September 2024, please call 0345 603 4325. Lines are open Mon-Fri 8.00am-8.00pm, Saturday 9.00am-1.00pm.

If you need to claim on a Bspoke Underwriting policy taken out on or after 1 October 2024, please call 0345 218 0429. Lines are open Mon-Fri 8.00am-6.00pm.

An out of hours service is available by calling the same telephone number.

The (not so) small print

Policy restrictions and exclusions can apply, please see the policy wording for more information.

Police Mutual Home Insurance is provided by Bspoke Underwriting Ltd.

Bspoke Underwriting Ltd & PMGI Limited, trading as Police Mutual are both part of the Bspoke Group of Insurance companies.

For more details, please see our legal page.

Need Renters’ Insurance?

Please call 0151 242 7640. Mon – Fri, 9am – 5pm. Alternatively, Send us a message

Product documents

It’s important you understand all of the Key Information for Renters’ Insurance. We recommend you read the below documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.

Police Mutual Terms of Business

Your Renters’ Insurance questions answered

Can I pay monthly?You can pay your premiums monthly by Direct Debit if you want to. Unlike many other insurers, we won’t charge you extra on top of your normal yearly premium.: Renters Insurance
How much cover do I need?You need to think about all the things you have within your home and how much it would cost to replace them as new. Check your receipts and prices of items as you’ll probably be surprised how much it will add up to. £35,000 contents cover is provided, as standard.: Renters Insurance
How do I make a claim?Call the UK based claim line on 0345 218 0429 Mon-Fri 8.00am-6.00pm. An out of hours service is available by calling the same telephone number.: Renters Insurance
How do I cover any items I take away from the home?You can add these to the personal possessions section of your Contents Insurance quote, which covers accidental loss, damage or theft to any of your personal belongings worldwide (such as jewellery items, cameras and mobile phones).

The minimum cover we offer is £2,000 (no single item worth more than £2,000). However, if you have a single items worth more than this amount, then this will be covered if it is specified on your policy at an extra cost, which can be done when you get a quote.: Renters Insurance
What does Contents Insurance cover?Contents are the items you use to furnish your home, such as carpets and furniture, also including all your personal belongings e.g. jewellery and clothing.: Renters Insurance
What is a valuable?Valuables mean:
Stamp, coin or medal collections
Pictures
Other works of art
Items of gold, silver or any other precious metal
Jewellery
Furs: Renters Insurance
How do I change my policy?If you need to make a change, such as a change of address or requiring a new level of cover, just call our UK-based helpline and we’ll be happy to help. If there’s a change in your premium, we’ll let you know. Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm: Renters Insurance
How do I cancel my policy?If you need to cancel your policy, just call our UK-based helpline and we’ll be happy to help.
Please note, if you cancel your Police Mutual insurance policy within 14 days of receiving your policy documents, you’ll only be charged for the period of time you have been covered. If you cancel the policy more than 14 days after receiving your policy documents, you’ll be charged for the period of time you’ve been covered plus we’ll charge a £40 administration fee for cancelling the policy. Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm: Renters Insurance
What is the difference between standard and accidental damage?This policy insures against the main perils such as fire, theft and escape of water as standard. In addition, we also automatically include accidental damage, which covers damage to televisions, computers, stereos, mirrors, glass, and accidental loss of heating fuel or metered water (up to £5,000).

Extended accidental damage can be added to your policy, at an extra cost, to cover any damage that may be caused by you or your family, including examples such as putting a nail in a wall and bursting a pipe, or spilling wine or paint on your carpet.: Renters Insurance
How can I pay for my policy?You can pay for your policy either annually by card, or monthly (via Direct Debit) and, unlike many other insurers, we won’t charge you extra on top of your normal annual premium.: Renters Insurance
What if the cover does not suit my needs?If this policy doesn’t meet your requirements, our team will be happy to discuss your needs. Call us on 0151 242 7640 Mon-Fri 9.00am-5.00pm: Renters Insurance
Apply for Renters’ Insurance

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