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Personal belongings Insurance – are you fully covered?

Personal belongings Insurance – are you fully covered?

If you’re never without your mobile phone or you like catching up with shows on your tablet every morning during the long commute, you might want to consider adding personal belongings insurance to your current buildings or contents policy.

While your contents/home insurance protects these items in your house, the cover stops as soon as you take them outside the boundaries of your home.

We get claims for:

  • Phones left in taxis
  • Cameras lost on holiday
  • Rings and jewellery that slip off in the sea
  • Wallets and purses left in the supermarket by mistake
  • Leaving your iPod on the train
  • Having your watch stolen from a hotel room

To insure against these kind of things, you’d need to add Personal belongings cover. It’s there to help when you’re out and about.

There are multiple aspects that make up insurance policies. While you may not fully understand each section of the contracts, it’s important that you learn and understand what the contract specifies, including your limits. That way, if you need to file a claim, you will know what the insurance company will and will not cover.

 

Why is personal belongings insurance important?

Personal belongings insurance offers protection for your personal effects when they are removed from your home. If an item of yours is lost, stolen, or damaged while away from your home, it would allow you to replace that item.

Most of us don’t realise how much the items we carry around with us every day are worth. A tablet and mobile phone could be worth several hundred pounds by themselves, let alone any money we may have in our bags and pockets.

 

Is there anything Personal belongings cover won’t cover against?

Yes. It doesn’t cover:

  • Wear and tear
  • Things that are damaged through everyday use (e.g. sports equipment)
  • Things stolen from cars or vans, unless they’re out of sight and someone had to break in to find them. (So a handbag that’s locked in the boot and can’t be seen from the street would be covered. But a Tom-Tom that’s there on the dashboard wouldn’t).
  • Pets and other animals.

It doesn’t cover things that are used for business, either, which would include:

  • Business cash, credit or debit cards
  • Tools, even if they’re locked up and can’t be seen.

 

Just Quote Me Personal Belongings Insurance Quotes

You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.

Personal Belongings Insurance – Are you fully covered?

Personal Belongings Insurance – Are you fully covered?

Personal possessions can be the most valuable thing for many people and the idea of losing or damaging a treasured item can even be traumatic. When at home, most of our personal belongings are protected by home contents insurance but what about otherwise and what about specialist items?

Personal possessions or personal belongings insurance covers your personal items against loss, damage or theft outside the home. The items covered varies vastly from policy to policy but as we all carry much more expensive items, from smartphones to watches, than before, it is an increasingly important type of insurance to consider.

What does Personal Belongings Insurance Cover?

Policies for personal belongings insurance vary greatly but you can find policies covering all kinds of items from laptops to smartphones to tablets and cameras. Policies may cover your wallet, purse, keys, jewellery and even clothing. Some policies will also cover more specialist items such as bicycles, musical instruments and specialist equipment. The key thing with personal belongings insurance is making a true and accurate list of the possessions you want to be covered under the policy, otherwise you may not be able to make a claim.

Don’t forget to consider your excess

When you make a personal belongings insurance claim, there is usually an excess to pay. It is important to check this in advance. Make sure you find a quote which has an excess payment you are happy with. You may want a higher excess level because it can reduce the cost of your premium. Be aware the excess does need to be paid should a claim be made.

Personal Belongings Insurance Caveats

Not all items are covered by this kind of insurance. Crucially, you need to remember to include that itinerary of items for your insurer. This kind of insurance may not cover:

  • Cash amounts of more than £500
  • Very valuable items, usually in excess of £1000 – these may need individual policies of their own
  • Expensive specialist equipment such as sports goods, especially if it is damaged during regular or intended use

Just Quote Me Personal Belongings Insurance Quotes

You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.