Frequently Asked Questions

What is tenants contents cover?

Our Tenants Contents policy provides valuable cover to protect your personal possessions within your home. Our product has been designed for individuals who live in rented accommodation.


Is it a legal requirement for me to have contents cover as a tenant?

It’s not, but it is highly recommended that you cover your possessions within your home giving you extra peace of mind that if you suffer loss or damage, then you are properly covered.

What is Tenants Liability?

Tenants liability provides cover in the event that your Landlord’s furniture, fixtures or fittings are accidentally damaged. Your policy will go towards funding the repairs that are required.

What is ‘New for Old’ cover?

If an item is damaged beyond repair, then this policy will pay out to replace the item in full providing you with what you had before.

What is covered under my policy?

Your policy covers you for the financial cost of repairing or replacing your household personal possessions and furnishings, such as white goods, gadgets, furniture, other electrical appliances, plus other personal possessions such as jewellery and cycles.

Can I insure more than one person under my policy?

Yes, this policy can cover more than one person.

I have not received my insurance documents.

You should have received your policy documents electronically by email. If you have not received them, please contact us immediately on 020 3582 1172, or email us at enquiries@now-insurance.com

How do I make a claim?

You can simply begin your claim request through our website at now-insurance.com. This allows you to electronically insert details about your claims, upload photos and submit information to Covéa Insurance.

How can I cancel my policy?

Yes, you cancel your policy in the first 14 days of cover. A full refund of premium will be given if your cover has not yet started. If your cover has started, then we will refund the number of days left on the policy. If you cancel after 14 days and there have been no claims submitted, then we will refund the number of days left on the policy.


How can I make a complaint?

We aim to provide a high level of service to all our customers, but occasionally things can go wrong. When this happens, we will do everything we can to put things right and assist you.
In the first instance, please telephone us on +44 (0) 20 7998 7780 or email us at enquiries@now-insurance.com and we will try to resolve your problem.
Alternatively, please contact:
The Customer Service Manager
Insure Now
17 Teddington Business Park
Station Road
TW11 9BQ
Telephone: +44 (0) 20 7998 7780
Email: enquiries@now-insurance.com
If we are unable to resolve your complaint within three days, we will write to you to confirm who is dealing with the complaint and when we will expect to respond to you. Within 8 weeks of the date, we receive your complaint, we will provide you with our final decision.
If you remain dissatisfied after Insure Now has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service.
The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services. You can find more information on the Financial Ombudsman Service.
Financial Ombudsman Service
Exchange Tower, Harbour Exchange,
London, E14 9SR
Telephone: 0800 023 4567
Telephone: 0300 123 9123
Fax: 020 7964 1001
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Can I buy your product if I live outside the UK?

No, this product is only for residents of the United Kingdom


Can I buy a policy if I am a homeowner rather than a tenant?

No, this policy is for tenants only.

What additional options can I add to my policy? How do I do so?

You can add specified personal possessions to your policy for items that are normally worn or carried when outside your home, such as jewellery, gadgets, mobile phones, watches.

What is the maximum temporary accommodation cover?

If your property becomes uninhabitable, then alternative temporary accommodation can be provided up to a maximum of £10,000. Please check your policy for full details.

What is not included in my policy?

As with most insurance policies, there are various exclusions that apply to the cover you have applied for. Please refer to your policy document for a full breakdown of exclusions that apply.

How much is the standard excess?

The standard excess is £100. Please note the Escape of Water excess is £250.

Why do we need proof of address/residency?

We need this proof, so we can verify your application for insurance. This helps reduce fraud which in turn means we can keep our products competitive for our customers.

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