Personal Possessions
Cover
What is Personal Possessions Cover?
Personal Possessions Cover is an optional insurance add-on that protects your valuable belongings when you're away from home. Whether it’s a mobile phone, laptop, bicycle, jewellery, or handbag, this cover ensures you're protected against accidental loss, damage, or theft—anywhere in the UK and sometimes even abroad.
For commuters, students, professionals, and families on the go, Personal Possessions Insurance provides peace of mind that your everyday essentials are protected wherever life takes you.
Who Needs This?
If you regularly carry valuable items outside your home, this cover is essential. It’s ideal for:
- Mobile phone users – Protection against loss or damage on the move.
- Cyclists and commuters – Cover for bikes, headphones, and gadgets while travelling.
- Jewellery wearers – Insurance for rings, watches, and accessories worn daily.
- Students or remote workers – Cover for laptops, tablets, and tech used in cafés, libraries, or while travelling.
Why is it Important?
Standard contents insurance usually only protects your belongings while they’re inside your home. Without Personal Possessions Cover, you're likely not insured for loss or damage when you're out and about. This cover bridges that gap—giving you the freedom to take your items with you without constant worry.
Typical situations Personal Possessions Insurance covers include:
- Lost phones or gadgets – Left behind on the train or dropped while out and about.
- Stolen handbags or backpacks – Taken while shopping or travelling.
- Damaged electronics – Cracked phone screens or water-damaged tablets.
- Theft of jewellery or watches – While worn in public or left in a locked locker.
- Bike thefts away from home – Even when chained or locked up.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
This cover typically includes protection for:
- Accidental loss or damage – For items dropped, broken, or misplaced.
- Theft while away from home – Including in public places or locked vehicles.
- Cover in the UK and abroad – Often includes up to 60 days of worldwide cover.
- Named high-value items – Like watches, engagement rings, or designer bags.
- Everyday essentials – Like phones, laptops, tablets, headphones, and glasses.
What's Not Covered
- Wear and tear or gradual deterioration of items.
- Negligence (e.g. leaving items unattended in plain sight).
- Unspecified high-value items not declared individually.
- Items used for business purposes unless specifically listed.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Personal Possessions cover you for?
Personal Possessions Cover provides protection for valuable items like phones, jewellery, and laptops when you're away from home—even abroad. Whether it's accidental damage, loss, or theft, having this cover in place means you can claim quickly and get back to normal without the stress.
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