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Why do I have to list so much info in the Home Contents Locker?

Insurance companies like as much information as possible when it comes to claims, to help prove ownership and to assess the correct value of the item or items being claimed for.

Clothing, for example, is covered by most insurance companies for market or current value, not full replacement. To work out what that value is, insurance companies will assess the item you’re claiming for, where and when you purchased it, and for how much. Often, what you get for the item you’re claiming for will depend on how old it is. But it’s best to check with your insurance company what’s covered for full replacement and what isn’t.