Contents Insurance
We are totally transforming insurance…
We have a first-class product providing worldwide cover for most of your stuff and an option to customise your cover to exactly what you need.
Easy Process
Best Value
5* Claims Service
Flexible Policy
Understanding Your Contents Policy
Our contents insurance policy has been specially designed by us with underwriters at Lloyd’s of London, the world’s leading insurance market.
All Risk
Whether you’ve had your bike stolen, accidentally spilled wine on the carpet or lost your engagement ring at the gym, you will be covered.
Worldwide
We protect your personal possessions no matter where you are – whether you’re at home or traveling across the globe.
No Excess
Our policy has no excess and no hidden fees. We aim to be as clear and transparent as possible.
Loyalty Reward
We reward loyalty! If you stay with us next year with no claims we will reduce your renewal premium at least by 5%.
Stress-Free Claims
We will always go the extra mile and always start by assuming your insurance claim is valid.
Get this sorted today…
Good to know
Joint Policy
We suggest you have joint names on the policy so you both are fully protected, can file a claim or renew the policy. When purchasing you will be able to add joint policyholder. This doesn’t affect the premium.
Supporting Documents
For jewellery items over £5,000 and fine art over £25,000 we would need a copy of either Valuation (from any reputable jeweller or registered valuer) or Purchase receipt.
Don’t worry if you don’t have this to hand – you will have 3 weeks to provide required documents. Good news – for cheaper items you don’t need to provide anything.
New Items
You can add new items to your current policy. (For example your wedding rings) Just email us confirming the type and value of the item so we can calculate your additional premium if there is any.
Claim Settlement
Following the notification of a claim, we’ll look to repair the damage first. We can also replace items with brand new equivalents from one of our suppliers. You may be able to take a cash payment instead, but we will only pay you up to what we would have paid to our preferred supplier.
For jewellery we don’t offer vouchers where you must purchase the replacement at a specific jeweller. Whenever possible, the replacement will be made bespoke for you, hallmarked & delivered to your home address.
Our experienced and friendly claims team will always work closely with you to agree the replacement. If they are unable to replace the item insured they may settle your claim in cash.
Sum Insured
Our insurance is not index linked. You can increase or decrease the total sum insured at any time.
Expert Policy Design and Guidance
As a specialist broker, we go beyond standard insurers. Our team understands the unique risks faced by luxury homeowners — from listed property considerations to rare art collections. We work with leading underwriters to build high value home and contents insurance policies that fit your exact requirements. This means your cover is neither too limited nor unnecessarily inflated, saving you cost and ensuring true protection.
Trusted by London’s Most Discerning Clients
Based in Mayfair, we serve private clients who expect both discretion and expertise. From coordinating valuations for your jewellery and art to arranging combined property and contents policies, our FCA-regulated approach delivers confidence and convenience. We can help you choose between a stand-alone contents policy or a combined home and contents solution, depending on your lifestyle.
What Our Clients are Saying
Jane Turvey
I have been a customer of Chelsea Insurance since 2017 with the insurance of my partners engagement ring. This was simple process with great communication skills and a fantastic price. Each year the price has reduced and the service has never faltered. I have now included both of our wedding rings, and my partners diamond earrings to the policy and the price remains incredible and the service is one of the best I have ever received. I would never move from Chelsea insurance and would highly recommend this service to anyone.
Mike Strong
Julie Eaton
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