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
- 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.