Blogs > Household Bills > Getsafe – Flexible and Affordable Contents Insurance for Students and Renters
- minute read
Contents insurance is a type of policy that provides your household items with a degree of security. If something happens to destroy or damage your possessions, it can cost a lot of money to replace them, some of which may be essential. In these cases, contents insurance aids in removing any fears or worries you may have.
What’s so great about contents insurance is that despite all the perks entailed, it really doesn’t have to be that expensive. Some tariffs and deals can even start at below the £3 mark. To us, contents insurance is a no-brainer. Why wouldn’t you choose a form of insurance that can cost less than a pint of beer per month? After all, it provides renters with peace of mind, giving protection from forces outside of their control for just a small monthly/annual fee.
Getsafe is an insurance provider that’s aimed at the next generation of insurance customers. They differ from conventional (and often quite dull) contents insurers by being entirely app-based, offering 24/7 claims reporting through chat bots and having a young team who are constantly on the lookout for ways to make their services even better.
Getsafe’s contents insurance is a ‘new for old’ policy. This means that they pay you the full amount of money for new replacements, and don’t take into account wear and tear when you claim on items.
If Resooma is making the process of renting a much easier and simpler one, then Getsafe is doing the exact same thing with insurance. Getsafe is keeping up with the times and have created an online, app-based process that’s speedy, effortless and doesn’t require any physical paperwork.
Where other insurance companies might bury you in documents or require you to log in to several different websites, Getsafe has cleverly recognised just how much admin we (particularly young people) do on our phones. With this in mind, their easy-to-use app carries on this trend, making their services incredibly accessible.
Covid-19 has created massive amounts of uncertainty in the rental market. Getsafe totally understands this and as a result, provides the option to modify your policy at any time – and without any administration fees. If the future looks uncertain for you, then Getsafe is going some way to making your insurance as predictable and secure as possible.
And on top of that, insurance with Getsafe won’t even cost you much. Their policies start from just £2.71* a month which is a drop in the ocean when you consider the amount of money that could be saved if disaster strikes and your belongings are all damaged.
As a general rule of thumb, Getsafe’s contents insurance policy applies to household items. To quote Getsafe: “If you picked up and turned the house upside down, we cover everything that would fall to the ceiling.” We’ve provided a list covering the most common examples of what Getsafe will usually cover:
Getsafe’s contents insurance is by no means fixed to a certain set of items though. In fact, you can tailor a contents insurance policy to suit your specific needs. This works by providing the total value of contents in your rented home. These are then covered against different forms of damage, including fire, water, storms, burglary and more. Beyond this, extras like accidental damage and out-of-home coverage for laptops or phones can then be added as well. This flexibility for every individual customer helps to set Getsafe apart from the rest!
In order to explain the finer points of Getsafe’s contents insurance policy, we’ve created a handy list breaking some of the more technical aspects down in simple terms:
Many renters assume that contents insurance is just another really high expense. Actually, Getsafe’s contents insurance policies start from £2.71* per month. When compared to the potential cost for dealing with the financial fallout of damage to pricey belongings, it seems like a no-brainer to us.
Getsafe offers accidental damage add-ons that’ll cover the cost of replacing items damaged within your home, even when this damage has occurred because of an accident.
With Getsafe’s Tenants Liability extension, you can also cover yourself against any potential accidents that might damage your landlord’s possessions.
Again, contents insurance has a clever method of getting around this. Personal Possessions cover safeguards your belongings when outside the home. You can simply select the amount to be covered for when away from home – regardless of whereabouts in the world you are!
Where Getsafe is concerned, making a claim is really simple. All you have to do is hop on the Getsafe App, click on the “Claims” button in the navigation bar, then click on “File a claim”. The speed of this process means that you can file claims quickly and easily, directly from your phone.
The insured sum (what you receive from Getsafe) should equal the amount that it would cost to replace all of your contents as if they were brand-spanking new.
Yep! While this often doesn’t apply to renters (particularly young renters), Getsafe’s policy offers the option to include your partner and relatives who are permanently living in your home, such as your child or your parents.
For more information about Getsafe’s contents insurance, check out their in-depth contents insurance guide. This covers all the fine details and questions you may have about it.
Contents insurance is an invaluable piece of possession protection that’s definitely worth investing in, particularly for renters. Insurance policies have long been looked at with distrust from much of the UK public, particularly younger generations. While this is partially a failure of insurance companies who haven’t been able to properly sell their products and services to young people, companies like Getsafe are doing a great job at bridging this gap.
Modern offerings like flexible cancellations, tailored insurance content, 24/7 chatbots, transparent pricing, fully-functional apps (and let’s not forget affordability) are helping to drag contents insurance into the 21st century and make it more appealing for all.
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