When you're insuring your home, it's easy to forget about the things you take out of it every day. When it comes to protecting yourself against loss or theft, you don't want to be left without cover.
That's where Personal Possessions comes in. It's designed to protect your belongings when you're out and about. If you lose or damage your things, or you're a victim of theft, you'll be able to rest easy knowing you're covered.
Personal Possessions is available as an optional extra for Home Insurance policies, and is included in Home Insurance Plus policies.
If you already have Personal Possessions cover and need to make a claim, call us now on 0345 878 5081 .
If you have Home Insurance and are looking to add Personal Possessions cover, give us a call on 0345 246 8372 .
Personal Possessions is cover designed to protect your belongings when you're outside of the home. Whether your phone's been stolen or you've left your laptop on the train, you'll be able to replace it without so much stress.
For any personal possession lost or damaged, we'll either replace or repair the item or damaged parts, or pay the cost of replacing or repairing it.
We'll cover up to £4,000 for any one item, set or collection, and up to £1,000 for any bicycle unless it's specified on your schedule. If something is stolen from your vehicle while it's unattended, we'll cover up to £2,000, as long as the items were kept out of sight and hidden from view.
Who's covered by Personal Possessions
Personal Possessions covers you and anyone living with you at the same address. This includes your spouse or partner, children, parents or other relatives who normally live with you.
What's included in Personal Possessions?
We cover:
- Accidental loss or damage to your personal possessions. This includes valuables, sports equipment, bicycles, luggage, clothes or any other items you usually carry that you own or are legally responsible for
- Money lost or stolen, up to £500 (£1,000 for Home Insurance Plus policies)
- Loss or damage to bicycle tyres and accessories, if the bicycle was also lost or damaged
- Stolen bicycles, when the bike has been secured and stored appropriately
- Lost or damaged items stored in safe deposit boxes or banks
- Items taken abroad for up to 60 days, provided they're kept with you or in a secure place
We don't cover:
- Lost or damaged business equipment, such as tools or business credit cards
- Vehicles
- Wear and tear
- Damage caused by pets or other animals
- Surfboards, rowing boats or other hand-propelled watercraft
- Sports or camping equipment while in use
- Items taken by Customs or other officials
- Bicycles while being used for organised racing, pace-making or trials
- Any theft involving deception
- Damage caused by paying guests or tenants
- Items lost or damaged abroad if they have been out of the UK for more than 60 days
Do you need Personal Possessions cover?
It's entirely up to you to assess what you might need cover for. If you take your possessions out of the home a lot, you may feel safer knowing they're protected while you travel.
Other types of cover
Home Emergency
Get cover for home emergencies, including broken boilers and damaged door locks.
Accidental Damage
From wine spills to iron burns, if you've accidentally damaged something in your home, you're protected.
Need more help?
You can make changes to your policy online, claim online or ask our virtual assistant.
Contact Us ClaimsIf you’d rather talk to us, just give us a call (includes Typetalk and sign language services). We can help you choose the right kind of cover.
Call us