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Under insurance occurs when the amount for which your home contents are insured for is less than the full replacement value.
Research undertaken by NFU Mutual of a selection of members of the public shows that many people do not have adequate insurance cover on their home.
Under insurance can cause serious problems if you have to make an insurance claim, as you may not get back the full cost to replace lost or damaged items.
The value of your home and contents is likely to increase over time the longer you live in your home so it is important you regularly check the value of your home contents insurance policy to make sure you have sufficient cover.
In order to make sure you have adequate cover you should review the replacement value of your property, rebuilding costs and contents value to ensure it is covered for the replacement amount, not the value you purchased it for.
The NFU Mutual under insurance predictor tool has been developed as a guide to help you assess the risk of you being underinsured. It only takes 2 minutes, so why not give it a go?
Please note this is a tool for you to help you predict the likelihood of you being underinsured for home contents and buildings insurance and not what NFU Mutual recommends as the appropriate level of cover and valuation of your home contents and personal possessions. You are responsible for ensuring you have adequate cover.
Note* For security and training purposes calls may be recorded and monitored.
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