High Value Personal contents Insurance from Intelligent Insurance
Additional Cover for

High Risk Property & Specified Contents

Certain personal belongings are categorised as ‘high risk’ due to their value, desirability, or potential for theft. Our policies specifically address the needs associated with these items, offering specialised coverage to ensure they’re fully protected*.

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Covering your High Risk Property

Intelligent Insurance’s home contents policies automatically include coverage for high-risk property within the home, with a standard limit of up to £2,000 per item, subject to the overall policy limits. To ensure comprehensive protection for high-value high-risk items both inside and outside the home, you have the option to specify these items and their values in your policy.

Our policies define ‘High Risk Property’ to include, but are not limited to:

  • Jewellery
  • Precious metal & stones
  • Clocks & Watches
  • Furs
  • Photographic Equipment
  • Binoculars & Telescopes
  • Musical Instruments
  • Pictures and other works of art
  • Collections of stamps, coins or medals

Extending Cover for Items Below £2,000

If you require cover for a high risk item worth less than £2,000 away from the home, you can either specify it on your policy or select optional personal belongings cover, which is available in increments of £1,000 up to a total of £10,000. Depending on the level of personal belongings cover you select, individual items below £2,000 in value (or the limit as stated on your Policy Schedule) are automatically covered away from the home up to the total cover limit selected.

Add High Risk Items to your policy

Get a quote to add high risk items to your policy by visiting My Account

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Speak to a member of our team

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*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

Insurance Cover provided by names you can trust

We work with experienced and established insurers to give you peace of mind that your home is protected

Intelligent Insurance | AXA Panel Member
Intelligent Insurance | Arkel Panel Member
Allianz Insurer
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Prestige Underwriting Services Panel Member