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Personal Possessions Insurance

Optional Extra

There are probably a few expensive things that you take out with you all the time – like laptops, mobiles and bikes. These aren’t automatically covered when you’re out and about, but you can include them by ticking ‘add‘ on ‘Personal Possessions’ when you get a quote.

What is Personal Possessions cover?

This optional extra allows you to insure your most treasured possessions outside of the home.

There are 2 types of personal possessions cover.

1. Unspecified Personal Possessions cover which includes:

Type of cover Level of cover
Personal items including laptops, valuables and clothing normally worn or carried outside the home Up to £2,000 per article, pair, set or collection
Money Up to £500
Fraudulent use of credit cards Up to £500
Sports equipment Up to £1,000 (in total)
Pedal cycles and their accessories Up to £1,000 (per cycle and its accessories)
Mobile phones Up to £250 and up to £25 for lost calls


2. Specified Personal Possessions which includes:

Most of the things listed above, but insured for more than the amounts shown. This is the best option if you have other, more specialist things to cover too.

Because the cover will be specific to you, we’ll need to speak on the phone to give you a quote – please call 03457 46 46 46^.

Further benefits of Personal Possessions cover:

  • claims are settled on a 'new for old' basis (except clothing)
  • five levels of unspecified personal possessions cover to choose from £2,500, £5,000, £7,500, £10,000 and £12,500 to suit your needs
  • cover while you are abroad, up to 60 days.

You can add this optional extra to your policy when you get a quote.

Personal Possessions exclusions

  • an excess of £50 applies to each claim
  • loss or damage as a result of theft from an unattended motor vehicle is not covered unless the property is concealed in a boot, luggage compartment or glove box and the vehicle is locked and all windows closed
  • in respect of the pedal cycle cover, there is no cover for loss of any pedal cycle left in a public place unless it is locked to a fixed point
  • there is no cover for theft of pedal cycle accessories unless the pedal cycle is stolen at the same time
  • in respect of mobile phones, loss of or damage to mobile phones caused by liquid is excluded
  • for each item of Specified Personal Possessions with a sum insured of more than £2,000, you must provide proof of the item's value at the claims stage.

As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view our policy documents online for further details.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.

Applicants for insurance are subject to normal underwriting criteria.