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Renters insurance

Contents cover for people who rent

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Why choose renters insurance?
Switch your insurance
Get a quote

Ponance Bank home insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810.

We'll give £20 to one of three chosen charities for every new policy purchased

If you take out a new home insurance policy online by the 28th September, we will pay £20 to your choice of the following 3 charities for every new Standard, Elite or Renters policy (T&Cs and exclusions apply).

You can choose from either: 

  • MacMillan Cancer Support
  • Alzheimer’s Society
  • NSPCC

Premier insurance policies are excluded from this offer.

Get a quote

Why choose renters insurance?

You could get a quote in less than five minutes

You can pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18s only. Representative 0.0% APR)

You can tailor your policy with optional add-ons and choose how much your contents are insured for (from five values).

The details

Core cover

Sum insured (how much your contents are insured for)

Insure the contents of your rented home for a total sum of £5,000, £10,000, £15,000, £20,000 or £25,000. This doesn’t include any possessions you keep in the garden.

Contents

No deductions for wear and tear, as these will be replaced new for old. Mobile phones are replaced with Grade A refurbished.

Alternative accommodation

If your home is unfit to live in after you’ve made a valid claim, the cost of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered for up to 20% of your ‘sum insured’.

Downloaded content

Claim up to £1000 to replace content you’ve paid for and downloaded onto your home computer, laptop, mobile phone or any other portable device.

Money in your home

Lost or stolen cash, cheques and vouchers are covered up to £500.

Optional extras

Accidental damage

This covers your possessions if they’re damaged suddenly, unexpectedly and unintentionally when they’re in your home.

Personal possessions cover (outside your home)

You’re covered for up to £2,500 for accidental loss or damage to any possessions you wear or carry with you (e.g. jewellery, mobile phone, bicycle) when you’re out and about. It’s valid when you’re in the British Isles, when you’re overseas for a total of up to 60 days in any one policy year, and can cover your possessions in a bank or safe deposit box.

Legal protection

This covers any legal expenses you incur and the costs of your defence if any legal action is taken against you up to £100,000. It doesn’t include disputes about rent or tenancy renewal but it does include disputes about your tenancy agreement.

Switch your home insurance

When you switch to Ponance Bank home insurance, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out your new policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.

What to expect

Fill in your details

To give you an accurate quote, you'll need to fill in some personal details and information.

Tailor your policy

Select how much you need your building insured for and if you want any optional extras.

Review and apply

Review your details and your quote. If you’re happy with everything, then you can apply.

Important information

We want to make sure that you get the cover you need. So before we carry on to your quote take some time to read, download and save these documents. For a summary of cover, any limitations and significant exclusions, please view the Insurance Product Information Document (IPID).

As we tackle climate change and move away from using paper we ask that you download and save documents to your device. The ‘What

You Need to Know’ document can be posted to you if you need it in a paper format.

We will share your personal details (i.e. policy start date and number, your name, postal and email addresses and contact telephone number) with our third party, Marketing Lounge Partnership (MLP) for the purpose of fulfilment of this offer. MLP will keep your details on record for 6 months. For full details of our Privacy policy click here.

All okay? Get your quote

It could take you less than 5 minutes.

Get a quote

Moving in together? Our tips can help

When you're setting up home, our guide can help you work out how to share costs, set up the legal side of things and more.

Read our guide

Something else we can help you with?