Personal Belongings Insurance
Protect your contents when you take them away from the home.
Extend your contents insurance to cover items when you take them away from the home. With up to 90 days cover anywhere in the world, your items are protected wherever you are.
This cover is only available if you are taking out a new home contents insurance policy or when adding to an existing policy.
Insurance overview
As our lifestyles change and the number and value of the personal items that we take outside the home increases, the insurance that we hold needs to too.
Our personal belongings insurance protects your contents while away from the home. With up to 90 days of cover worldwide, you can travel further afield with added peace of mind.
You choose the maximum amount of cover you need away from the home at any one time, for personal belongings such as valuables, bicycles and mobile phones. You don’t need to list individual unspecified items that fall below the single item limit. High value items that are worth more than the unspecified single item limit, will need to be specified on the policy.
What about cover for high value bicycles?
High value bicycles may need specifying on your personal belongings insurance and will require locking to an immobile object when left unattended in order to be insured against theft.
What's covered:
- Theft, loss and accidental damage of single items less than the unspecified single item limit while away from your home.
- Repair or replacement of mobile phones.
- Loss or theft of money, travel tickets and travellers cheques.
- Unauthorised use of credit cards.
- Pedal cycles.
What's not covered:
- Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
- Damage or loss caused by wear and tear, and loss of value over time.
- Any costs of replacing, repairing or restoring your items above the amount you’ve insured them for.
- Securities, certificates and documents with monetary value such as those representing investments.
- Business tools and equipment.
- Sports equipment while being used.
The features and exclusions listed are not exhaustive. Your cover and limits will depend on your circumstances and which NFU Mutual policy you have. Exclusions apply.
