Specified Items

Specified Items Cover covers the following:

“Any high risk items and personal belongings that are above £1,500 in value and that are specifically named on your Policy Document. All pedal cycles that are specifically named on your Policy Document.”

Provides cover for loss or damage inside or outside the home against items specified by you, whilst in the British Isles. Loss or damage outside the British Isles is covered for up to 60 days as long as the item is in the care of you or your family.

High Risk Items fall into the following category: televisions, personal computers, audio and video equipment, DVD equipment, photographic equipment, jewellery and items made from precious metal, clocks, watches, furs, paintings, works of art, stamp and coin collections. Personal Belongings are personal items and valuables normally worn or carried in everyday life. A Rolex watch @ £4000, an engagement ring @ £3,500 or an oil painting @ £5,000 for example can each be specified to provide full cover over the standard single item limit of £1,500

Limits

• Maximum of £20,000 in aggregate.

What is NOT covered? 

• Loss or damage if at the time of a claim the original purchase receipt or valuation, which predates the loss, cannot be produced.
• Loss or damage from unattended motor vehicles unless:
  o there has been forced entry into the vehicle and the vehicle is also damaged
  o the item was hidden from view in a locked boot or glove compartment
• Loss or damage by wear and tear, insects, vermin, fungus, weather, water entering the home, items losing value, damage from cleaning, dyeing, repairing or restoration, mechanical or electrical breakdown, anything which happend gradually or detention or confiscation by customs or any official body.
• Loss or damage while the home is unoccupied for more than 60 days in a row.
• Loss or damage by deception unless the only deception was someone tricking their way into the home
• Anything used for trade or professional business purposes
• Loss or damage while any pedal cycle is being used for racing, pace making, or trials
• Loss or damage of any pedal cycle left in a public place unless the pedal cycle is locked
• Any cycle which is motorised
• Stamp or coin collections outside the British Isles
• Any item not named on the Policy Schedule