With Tesco Bank Home Insurance, when do I need to specify an individual item?

Depending on which policy you have with us, you may or may not need to specify items with your policy. We’ve explained how this works for both types of policy below. A few steps describing how to add items to your policy are at the bottom of this page.

Policies that start with TI

You’ll have to specify any items you wear or carry outside the home and are worth over £2,000. A few common examples include engagement rings, watches, and cameras. You can cover 1 item worth £20,000 or several items up to that limit. By specifying an item, you’ll be covered for loss, theft, and damage in the UK (including your home) and up to 60 days abroad.

You don’t need to specify items for cover within the home, but check your Policy Schedule for limits. You can add items to your policy in Your Insurance Account. There are no fees for changing your policy online, but your premium may increase.

Policies that start with QH

There’s no need to specify items for cover at home for this policy. This is because they come with Click & You’re Covered Home Insurance. If you want cover for items away from your home, you should add personal possessions cover. This cover can be for up to £15,000 with a single item limit of £5,000.

You can add personal possessions cover to your policy in Your Insurance Account. There are no fees for changing your policy online, but your premium may increase.

How to add an item to your policy

To add an item to your policy, follow these steps:

- After logging in, select the policy and click ‘Make changes’.
- Select ‘Amend contents cover’ from the drop-down menu.
- Scroll down and select 'Add item' before completing all the relevant fields.
- We’ll then show you the cost of making the change and the option of adding any optional extras to your policy.
- Decide whether you’d like to pay the premium monthly or pay it in full.
- Choose the date you’d like the cover to start.
- Read the statements and, if you’re happy with the terms, click ‘Confirm’.

Excesses and limitations apply. For full details, see your Policy Booklet.
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