What doesn’t personal possessions insurance cover?
Exclusions will often include:
• camping gear while it’s used outdoors
• items stolen while on public display in a vehicle, even if it’s locked
• possessions that are left unattended in public places, for example your mobile phone while you’re at the bar in a pub
• bicycles – these may have to be added separately to a policy
• business equipment, such as a company laptop or tools
• damage caused by wear and tear