Personal Possessions Cover

Personal Possessions Cover

Personal Possessions Cover safeguards your belongings from loss or damage, with up to £5,000 in coverage when away from home. Ensure your peace of mind by adding this optional extra to your policy today.

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What is Personal Possessions Cover?

Personal Possessions Cover extends protection to your everyday belongings, safeguarding them from accidental loss or damage when you're on the go. 

This optional add-on shields possessions like mobile phones, laptops, clothing, cash, jewellery and musical instruments offering peace of mind wherever you are. 

You can easily add this extra layer of protection to your insurance policy, ensuring comprehensive coverage for your belongings.


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What Personal Possessions are covered?

  • Mobile phones 
  • Tablets and laptops 
  • Cameras and video equipment 
  • Keys 
  • Jewellery 
  • Purses, handbags and wallets 
  • Sporting and/or musical equipment 
  • Bikes, up to the value of £350

Read Home Insurance Policy Wording

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What Personal Possessions aren't  covered?

  • Individual items exceeding £1,500 and £350 for bikes, that you haven't specified
  • Items away from home for over 60 days
  • Items that are not safely hidden whilst in a locked vehicle
  • Loss or damage while using a bike for racing, pacemaking, or speed or time trials

    Read Home Insurance Policy Wording

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Need to make a Personal Possessions claim?

You can report a new claim by using our online claim form, and one of our dedicated claims handlers will help you through each stage of the process.

If you'd rather speak to us, give us a call on 0333 043 2034.

Make a claim online

We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help and Support page.

Go to our help section

Frequently Asked Questions

I’d like to add Personal Possessions Cover to my policy.
You can only add Personal Possessions Cover to a new policy at the time of purchasing. If you have an existing policy, you can only add Personal Possessions cover if you are either moving address or renewing your policy.

To add Personal Possessions Cover to your policy when getting a quote with us, simply include it when you see your initial price. If you're moving or within renewal and want to add it on, simply call us on 0333 043 2001.
How can I add a bicycle to my home insurance policy?

Bikes valued up to £350 are automatically covered within your contents insurance. To extend this cover outside the home, your policy must include Personal Possessions Cover.

Any bikes valued at more than £350 need to be added to your policy as a specified item. The maximum coverage for each bike over £350 is £2,500.

To add cover outside the home for bikes valued at less than £350 or for high-value bikes, simply give us a call on 0333 043 2001.

I'd like to discuss an existing home claim
If you have a question about an existing home insurance claim, we're here to help Monday to Friday, 8am - 5.30pm. Just give our friendly team a call on 0333 043 2034.
How do I make changes to my home insurance policy?
If you’d like to make a change to your home insurance policy – like update your personal details, add or remove a joint policyholder or add extra items to your cover – just give our friendly Customer Service team a call on 0333 043 2001 and they’ll take care of this for you.
Do you offer live chat?

We also offer live chat across our sales pages, within Your Account and on our Help & Support page. Look out for the blue chat web chat icon at the bottom right of the page.

You can use web chat to and discuss any queries you may have with our Customer Services, Sales, Renewals, Claims and Payments & Finance team.

You can also make a payment if you’re in arrears, providing we already hold your payment method on your account.

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