| Often, personal possessions or ‘away from home’ cover is an optional add-on that protects items when you’re out and about | It’s important to be aware of the exclusions that may apply to your cover as your items may not be covered | To stay protected during trips or holidays, keep valuables with you, use safes where possible and check your policy details carefully |
Home contents insurance protects your belongings inside your home but cover outside the home isn’t always included as standard.
Often, personal possessions or ‘away from home’ cover is an optional add-on that protects items like phones, jewellery and laptops against loss or damage when you’re out and about.
This cover typically applies to items you regularly carry with you, but you’ll need to choose the right level of cover based on the total value of what you might take out at one time. Higher-value items may also need to be individually specified on your policy to ensure they’re fully protected.
When cover may not apply
It’s important to be aware that there are exclusions. For example, items may not be covered if they’re left unattended in unsafe conditions, used for business purposes, or damaged while being used (such as sporting equipment). Theft from vehicles is usually only covered if the car is locked and items are hidden, often with payout limits.
Tips to stay protected
To stay protected during summer trips or holidays, keep valuables with you, use safes where possible and check your policy details carefully. Taking these steps can help ensure your belongings are properly covered wherever you go.