Personal items insurance

Insure things like your clothes, jewellery, watches, luggage, musical instruments and books anywhere in the world not just within your home. If you only need to insure these things in your home you can cover them with contents insurance. 

Remember, to be covered for electronic devices such as mobile phones, cameras or smart watches when you’re out and about you will need gadget insurance.

On this page you can see:


What does personal items insurance cover?

With Pick and Protect personal items insurance we’ll cover:

  • £250-£20,000 worth of cover, with any one item worth up to £3,000 as standard and the option to cover more expensive items if you specify them when you take out this insurance
  • cash of up to £500
  • accidental loss or damage 
  • theft including from an unattended vehicle where the item is in an enclosed compartment and the vehicle is securely locked but broken into by force up to £1,500
  • worldwide cover

Terms, conditions and policy exclusions apply. Must be a UK resident to apply.


What are the main exclusions from personal items insurance?

You won’t be able to claim for:

  • damage caused by wear and tear, light, weather conditions, moth, vermin, insects, fungus, damp, rust, wet or dry rot, or anything that happens gradually
  • damage caused by electrical or mechanical breakdown
  • bonds, stocks, shares and other documents except driving licenses and passports
  • gadgets, bikes and sports equipment as separate cover is available for these

You can see the full list of exclusions in the Policy Document. Must be a UK resident to apply.


Retrieve an existing quote

Must be a UK resident to apply.

Quote references beginning with QTE

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Must be a UK resident to apply.

It's important that you know what this insurance does and doesn't include. You'll find more details here.

If you’d prefer to call

0345 030 8790

If you'd prefer to talk to a member of our team please call us:
Monday to Friday 8am - 8pm
Saturday 8am - 6pm
Sunday 10am - 4pm
Bank Holidays 10am - 4pm

Calls to our 0345 numbers are charged at local rates dependent on network and usually included in inclusive minute plans. For our joint protection, telephone calls may be recorded and/or monitored.

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