Most Home insurance policies offer the option to cover your personal possessions when you take them outside of your home, whether you are just travelling locally or going on a holiday to distant shores. This is typically called Personal Belongings cover away from Home. When you take out this option the possessions with you could be covered for Accidental Damage, Loss and Theft. Typically your insurance company may set a total limit of cover of up to a certain value of money and as long as your total possessions with you don’t exceed this value and each item is worth no more than a stated single article limit you will be protected. For items worth more than the single article limit, you may be able to specify the item on your contents policy and arrange individual cover however this could incur a further cost.



Choosing the personal belongings option may allow you to vary what you take away so on one visit along with the clothes you are wearing you could have luggage and a camera and on another a nice watch and a selection of jewellery.

Some travel insurance companies charge an additional premium to cover your luggage and money when you go on holiday, or offer a discount if your luggage and money is covered separately.  By adding Personal Belongings to your Home insurance you won’t need to include cover for your luggage and valuables on your Travel Insurance.



Some home insurance policies can offer Personal Belongings cover that give up to £2000 for any single item and up to £5000 in any one incident, that’s up to £2500 more cover than you would get from a basic Travel Insurance policy*.



Generally this valuable additional protection covers you for loss or damage to any of your personal belongings which you take outside the home, such as Luggage, cameras, jewellery, money and Credit cards, for an unlimited period of time in the UK and Europe and limited days worldwide. It means you will also be covered for the items you take with you on everyday trips that you make. So for example, if you lose your handbag or wallet whilst doing the weekly food shop, you could claim for the items lost under this insurance cover. Check carefully with your insurance provider to see what you are covered for, what the single article limit is, and how long you are covered for when in the United Kingdom or abroad.



Insure4Retirement have issued this guide for information purposes only on what could be available on a home insurance product. No advice is being offered as to the suitability of any policy to your own personal circumstances.



Insure4Retirement can offer a comprehensive personal belongings cover in addition to your home contents insurance which provides the following:-



• Cover up to £2000 for any single item

• Up to £5000 of cover for any one incident

• Unlimited protection in the UK and Europe and cover for up to 60 days worldwide



*Annual worldwide travel insurance quote obtained from moneysupermarket.com. 99% of quotes provided baggage cover ranging from £500 up to £2500.