Getsafe contents insurance review

Who is Getsafe?

Getsafe is a newcomer to the home insurance space. Launched in Germany in 2015, the company has recently expanded to the UK market.

It offers contents insurance for both tenants and home owners that can be managed easily through an app.

What types of policy are on offer?

Getsafe only offers contents insurance, but the cover is flexible so can be tailored to your needs.

What is covered under my policy?

Getsafe’s contents insurance policy includes:

• Your personal belongings in your home if they are damaged, destroyed or stolen
• Your belongings when left in an unoccupied home for up to 60 days
• Contents outside your home, but within the boundaries of your property
• Lock replacement
• Cover for money against loss or damage in any location in the UK
• Refrigerated food and drink
• Removal of debris of personal property in case of damage
• Retrieving personal data as a result of insured damage to your computer
• Visitors’ possessions, as long as they are not covered elsewhere
• Liability to other people when injured or harmed as a result of your actions (including outside of your home, within the UK)

Optional extras

Getsafe has two optional extras you can add to your cover for an additional fee:

• Personal possessions. Covers you if something happens to your personal belongings outside of your insured home.
• Accidental damage. Covers you for accidents, such as dropping your laptop or spilling red wine on your white sofa.

How to save on your home insurance policy with Getsafe

Many of the factors that affect the price of your home insurance are out of your control, like where your home is located and what it’s made of.

However, having a few extra security measures, like specific types of locks and security cameras, can reduce your insurance costs.

Setting a higher voluntary excess can also lead to lower premiums, but make sure you can actually afford to pay this amount should you need to make a claim.

How do I contact Getsafe?

You can contact the Getsafe customer service team by emailing help@hellogetsafe.com or through the company’s live chat function on the app – available 24/7.

You can also call 02036084144, lines open Monday to Friday 7am-7pm.

What is the claims process for Getsafe?

You can make a claim on the Getsafe app, by going to the “Service” tab and then “File a claim”. Getsafe’s chatbot, called Carla, will guide you through the process.

Getsafe customer reviews

Getsafe is still pretty new on the UK market, so online customer reviews for the company are not yet available.

However, the Getsafe app has 4.6 out of 5 stars on Google’s Playstore, based on more than 1,200 reviews. On the App Store, the app has 4.8 out of 5 stars, based on more than 50 ratings. (Figures from September 2020.)

Customers love the ease of use and good value product, but some complain about slow reply times from the company.

Getsafe home insurance pros and cons

Our verdict

If you want an easy-to-use and easy-to-manage contents insurance policy that you can cancel on a daily basis, Getsafe is for you.

The company offers a good value product for both tenants and home owners.

If you own your property and would like to take out buildings insurance for it as well, you’ll have to get this separately elsewhere. Note that many companies offer combined contents and buildings insurance, which is not currently available through Getsafe. If you need this type of policy, you might want to go with a different provider.

Frequently asked questions

• How much does insurance from Getsafe cost?

  The price of insurance is affected by a number of personal details, including the level of cover you need, the location of your home and any optional extras you take out.

  That said, on its website, Getsafe says its contents insurance cover starts from £4.23 per month.

• Is family I live with covered under my Getsafe policy?

  Yes, any relatives who live in the same household as you are covered under your contents insurance policy with the same conditions.

• What contents are covered with Getsafe?

  All items for private usage in your household are considered your contents and are covered under your Getsafe policy. This includes electronics, furniture and clothing. Getsafe defines these items on its site as “everything which would drop out if you put your flat upside down”.

• Why do I need contents insurance?

  You might not think that you have anything in your flat worth covering, but imagine if everything in your home got destroyed by fire or a flood. Collectively, your items are worth a lot of money and you can be left with nothing if the worst happens.

  Contents insurance makes it easier to replace your property both in the case of major damage and if any high value items, like your tech and gadgets, get damaged or stolen.

• Can I get insurance that starts immediately?

  Yes. When you get a quote from Getsafe, you can choose to have your cover start immediately if you need it to.

Written by

Ronny Lavie

Editor

Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University. See full bio