With household contents insurance, you can leave the house knowing that your favourite belongings are protected. But what about the valuable items you take out of the house with you? This is where Personal Possessions insurance comes into play. Here’s what the extension covers.
Personal Possessions insurance is usually available as an extension to standard household contents insurance. For a small additional fee, you can protect your insured items against loss and damage outside your home – anywhere in the world. The Personal Possessions extension from Getsafe covers your belongings up to a maximum of £10,000.
When setting your insured sum, you should think about the value of the items you usually leave the house with. If, for example, you usually go out with a phone worth £700 and a watch worth £300, you should set your insured sum at £1,000.
Each individual item is insured up to £2,000. Items that are worth more than £2,000 must be specified separately. Separately listed items are insured up to £4,000.
Personal Possessions insurance covers portable items that you usually take with you when you leave the house. This includes phones, jewellery, laptops and tablets, cameras, clothes and bikes. Please be aware that bikes and other kinds of cycles are only covered up to £500 under Personal Possessions insurance.
Your Contents policy booklet contains the full list of what is covered and what is not covered. Here are some of the most important exceptions:
With Getsafe, you can add the Personal Possessions extension to your coverage in seconds.