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 Personal Possessions Insurance?

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 Personal Possessions Cover 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.

What’s Covered with Personal Possessions Insurance?

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

Personal Possessions Cover works best when combined with other protections. You may also want to consider:

• Contents Insurance – Protects items inside your home.
• Accidental Damage Cover – Extra protection for one-off mishaps inside your home.
• Home Emergency Cover – Deals with urgent issues like burst pipes or boiler failures.
• Family Legal Protection – Covers legal costs from home or consumer disputes.

At Insurably, we make it easy to cover the things you carry every day. From tech to jewellery, we'll help you choose the right Personal Possessions Insurance for your lifestyle and budget.

Start your quote today and get protection that follows you, wherever you go.