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Home Insurance

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

You will have to specify any items that you wear or carry outside of the home, that are individually worth over £2,000 - such as an engagement ring, watch or camera. You can cover 1 item worth £20,000 or a number of items up to that limit. By specifying an individual item, you’ll be covered for loss, theft and damage of these items anywhere in the UK (including in your home) and for up to 60 days when you're abroad.

 

If you’re a Value, Standard or Finest customer you need to tell us about any valuable item which is over the limits below. By specifying an individual item, you’ll be covered for loss, theft and damage of these items anywhere in the UK (including in your home) and for up to 60 days when you're abroad.

 

The Value policy automatically covers single items up to £1,500 each when in the home.

 

The Standard policy automatically covers single items up to £2,000 each when in the home.

 

The Finest policy automatically covers single items up to £3,000 each when in the home.

 

If you took out a new policy after May 2013 there is no individual limit in the home, however away from the home, anything over £2000 would need to be specified.

You can add a specified item to your policy via Your Insurance Account, which is available 24 hours a day. There will be no fee for making a change to your policy (when accepted via Your Insurance Account), but there may be an increase in premium for adding this to your policy.

 

Exclusions and limitations apply, for full details of the cover provided please see your Policy Booklet.