Understanding Personal Belongings Cover: What is it and what does it include?

Personal belongings cover, often referred to as personal possessions insurance, provides protection for items that are intended to be carried or worn outside of your home. This type of coverage safeguards against accidental damage, loss, and theft of these items.

Typically, personal belongings cover is an optional addition that can be included with your home insurance policy. While it’s common for this coverage to extend to protect your items worldwide, it’s crucial to carefully review the terms and conditions of your policy before proceeding.

What Does Personal Possessions Insurance Cover?

Personal possessions insurance is designed to cover a range of items that you may carry, use, or wear when you are away from your home. This can include, but is not limited to:

  • Jewellery & Watches
  • Mobile Phones
  • Cameras
  • Bicycles
  • Laptops and Tablets
  • Clothing
  • Sports Equipment
  • Bags, Suitcases, Purses, and Wallets
  • Musical Instruments

What Isn’t Covered?

There are certain scenarios and items that are typically excluded from personal possessions insurance:

  • Damage Due to Lack of Maintenance: Damage resulting from inadequate maintenance of your belongings may not be covered
  • Non-Forced Theft: Claims for theft where no force or violence was involved, such as leaving your mobile phone unattended in a restaurant, might not be covered
  • Belongings Not Owned by You: Personal belongings that are not owned by you 
  • Extended Period Abroad: Loss or damage occurring when your items have been abroad for an extended period, often exceeding 30 or 60 consecutive days, may not be covered
  • Sports Equipment in Use: Damage to sports equipment while it is in use may not be covered
  • Items Exceeding Single Article Limit: Any item that exceeds the insurer’s specified single article limit and has not been individually specified in the policy may not be covered

As with most insurance policies, there is typically an excess that you will be responsible for at the time of making a claim. It’s essential to carefully read the terms of your policy to understand the exact amount you will be liable for and to ensure that it is affordable in the event you need to make a claim.

For further information or to discuss your personal belongings cover, you can contact one of our experts at support@nestgi.co.uk or call us at 03330 110555.

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