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 personal items insurance covers
• what the main exclusions are from personal items insurance

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 and aged over 16 to apply.

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

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 and aged over 16 to apply.