Contents 保険 costing just £4 a MONTH 開始する，打ち上げるd by The 救済 Army's 保険会社 - is it the cheapest in the country?

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A contents 保険 政策 costing just £4 a month is 存在 開始する，打ち上げるd by The 救済 Army,?and it might just be the cheapest in the country.

Contents 保険 支払う／賃金s out if the items in your home are stolen or destroyed, for example through 解雇する／砲火／射撃 or 所有物／資産／財産 損失.

But many 世帯s are unable to find affordable contents cover. If you live in a high-危険 postcode, have made 保険 （人命などを）奪う，主張するs before or have gone 破産者／倒産した,?most 保険会社s will either 辞退する to を取り引きする you or will 増加する their prices かなり.?

Uninsured: Many home contents 保険 政策s shut out the 攻撃を受けやすい and people who live in the 'wrong' postcodes, which two 保険 会社／堅いs want to 直す／買収する，八百長をする

Many other homes just cannot afford contents 保険, so go without, while others do not see the need for it.?

This cover costs £116 a year on 普通の／平均（する）, によれば the 協会 of British 保険会社s, though this is an かつてない-low price and many homes are 告発（する），告訴（する）／料金d far more than this.

But now a new 製品?目的（とする）s to help the six million homes locked out of buying normal contents 保険 - 代表するing 26 per cent of the country.

What is it and why is it so cheap?

The 核心 Home 政策 is 存在 開始する，打ち上げるd by the?救済 Army General 保険 会社／団体, or Sagic, on January 16. As the 指名する 示唆するs, this is the 保険 arm of The 救済 Army.

The low-cost 保険 製品 costs £4 a month, and gives cover for £30,000 of contents and £10,000 of 代案／選択肢 accommodation if you need to move out of your home に引き続いて a （人命などを）奪う，主張する.

The new 保険 政策 was designed by Neil Bresler, of 保険 仲買人 ECH 施設s, while Sagic 扱うs the 同意して署名するing.

異常に, there is no 超過 if you need to 支払う／賃金 before you can make a （人命などを）奪う，主張する. The 製品 is also 新たにするd 月毎の, not 年一回の, and you can 取り消す at any point.

Renters or homeowners can take the 取引，協定 out - but people who own their own 所有物／資産／財産 will also need buildings 保険 under the 条件 of any mortgage.??

Bresler said: 'The sad truth is that those who need 保険 the most are the least likely to be able to 得る it, either because they can’t afford the 賞与金, or because they live in postcodes みなすd high 危険 by 伝統的な 保険会社s, or because they’re 支配する to 刑罰の 除外s.??

'We 見積（る） that of 22.6 million 世帯s in the UK, 26 per cent, or 6 million, have no home contents 保険, and they are the market we are 捜し出すing to help.'

How does 核心 Home compare to other 保険?

The 核心 Home 政策 has no exact 競争相手s, but does work out cheaper than most other contents 政策s for the level of cover you get.?

The cheapest contents 保険 政策 This Is Money could find costs £4.95 a month, from 保険 会社／堅い 海軍大将.

That does cover up to £75,000 of contents, but crucially has a £100 超過.

And that is for a two-bed house in a leafy, low-罪，犯罪 part of Kent.

The cheapest 引用する for the exact same house in the high-危険 area of Tower Hamlets, London, would cost £5.61 a month, from John 吊りくさび 保険 - again with a £100 超過.?

How is it so cheap??

Firstly, the 取引，協定 限界s cover at £30,000 for contents and £10,000 for 代案／選択肢 accommodation.

The 普通の／平均（する） home has around £35,000 of contents within it, and most 保険 政策s cover in the 地域 of £40,000 to £50,000. This stripped-支援する cover means a stripped-支援する 賞与金.

It is also internet-based, with no call centre, which also helps keep prices 負かす／撃墜する.?

The 核心 Home 取引，協定 also does not cover high-value items such as jewellery and does not 支払う／賃金 out for 偶発の 損失.

It also has no bolt-on 保険 for things like 合法的な expenses or the cost of 取って代わるing frozen food if a freezer fails, which often bump up the price of contents 保険.

Bresler said: 'We’ve 除去するd high 危険 elements like jewellery, 価値のあるs and 偶発の 損失, 同様に as fringe 利益s, which are the prime factors behind the high cost of cover, but made sure 顧客s are 保護するd against major 危険，危なくするs such as 解雇する／砲火／射撃 or burst 麻薬を吸うs.'?

Gordon Dewar called the new 製品 'sleep at night' cover

What 核心 Home does do is 支払う／賃金 out for things like 解雇する／砲火／射撃, 窃盗, 嵐／襲撃する 損失 and subsidence - which Sagic 長，指導者 (n)役員／(a)執行力のある Gordon Dewar calls 'sleep at night cover'. The 政策 does 供給する cover against flooding, but not if you live in a very flood-傾向がある area.?

Dewar said: 'It's a stripped-負かす／撃墜する 政策, we know that, we are transparent and the 顧客 will understand what they are getting. This is sleep at night cover.?

'It's not hard running an 保険 company, you just 扱う／治療する 顧客s the way you want to be 扱う／治療するd yourself.

'保険 has noble roots, underpinned by the 原則 that the many 保護する the few, but 増加するing personalisation and changes to 危険 profiling have 脅すd this 原則.'?

How to get the 政策

At first 核心 Home will be sold on the website of 仲買人 ECH 施設s, but in the 未来 could be sold through other 仲買人s, 地元の 会議s and 住宅 providers, の中で others.

顧客s who are not comfortable buying 保険 online can 任命する an 支持する to do it for them, such as a 親族 or trus ted 隣人.

If you've made contents 保険 （人命などを）奪う，主張するs before, are 破産者／倒産した or have had past 有罪の判決s, the online system won't give you a 引用する.?

However, people in these 状況／情勢s will be referred 支援する to Sagic, where a human will consider their 事例／患者 本人自身で.

One place you will not be able to get 核心 Home is on price comparison websites such as CompareTheMarket.

This is to help keep costs 負かす／撃墜する, Bresler said, as these websites 告発（する），告訴（する）／料金 a 料金 to 保険 会社／堅いs that sell through them.

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