Do I need personal effects cover?
If you play golf at the weekend but leave your clubs in the boot all week, or you leave your laptop in the car while you nip into a service station then, yes, it’s probably a good idea to make sure you’re covered. In fact, a whopping £3 billion worth of belongings are left in cars overnight and 53% of car owners admit to leaving their cars unlocked when they’re not occupied.
And think about any technology or gadgets in your car that aren’t part of the original vehicle. If you’ve upgraded your stereo or put in a sat nav, check your policy or call your insurance provider to make sure you’re covered for them. While factory-fitted technology is usually covered as standard, anything fitted retrospectively might not be included in your insurance.