A simples guide

Possessions insurance cover outside of the home

When you take out home contents insurance, it includes cover for your possessions within the home. But you’ll need personal possessions insurance if you want to cover your belongings should you lose them or they’re stolen while you’re out and about.

How do I protect my personal possessions away from home?

We often carry around some of our most expensive items, such as our phones, tablets and laptops, plus jewellery, glasses, wallets, watches and coats. While you might assume that these are covered by your home contents insurance should you lose them or they’re stolen while you’re away from home, that’s not always the case. Some contents policies will include personal possessions cover as standard, while others don’t.

Check your policy schedule, which should list what cover is included in your policy. If you’re not covered, you need to request personal possessions insurance while you’re away from home. This may be an additional cover option when you take out your contents policy but you may need to pay extra.

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What does personal possessions cover include?

It typically covers you for most things we’d consider our personal belongings, such as (but not limited to):

  • Phones
  • Watches
  • Jewellery
  • Laptops
  • Wallets and purses
  • Sports equipment
  • Clothing
  • Musical instruments
  • Cameras

What isn’t covered by personal possessions insurance?

Exclusions will often include:

  • Camping gear while in use in the open
  • Items stolen while on public display in a vehicle, even if it’s locked
  • Bicycles
  • Business equipment, such as a company laptop or tools
  • Damage caused by wear and tear

It’s worth noting that policies usually set a value limit on individual items. Items worth more than a certain amount may also need to be listed individually.

As policies between insurance providers vary, you should always check your policy to ensure it offers the level of cover you assume it does.

What should I consider when choosing personal belongings insurance?

If you’re considering personal possessions cover, make sure:

  • You’re not doubling up on cover. Personal possessions insurance is ideal for day-to-day cover, but if you’re only looking to insure your belongings for a specific trip, you may already be covered by your travel insurance.
  • Do you have mobile phone cover or protection for your laptop against loss or damage through other service providers, such as your bank or the retailer where you bought the item? If you do, then don’t double up on cover, as it won’t mean you can claim twice for the same item and it will only cost you more.
  • Your cover protects you if you’re heading abroad. There are often limits on the amount of time that the cover will remain in place, and it may only offer cover in Europe.

How do I get a good deal on personal possessions cover?

For many people, personal possessions cover could offer valuable additional protection. To find a policy that’s right for you, compare prices and cover levels right here with us.

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