Contents Cover topics

Yes, as part of our standard offering, we cover the contents of a locked outbuilding. This includes sheds and garages, providing protection for your belongings stored in these spaces. The coverage extends up to the value of £5,000, ensuring that a baseline level of protection is in place. Flexibility to Increase Coverage Moreover, you have the option to increase this level of cover based on your specific needs. This flexibility allows you to tailor your insurance to the value of the items stored in your shed or garage. Consider assessing the total value of the contents to determine whether additional coverage is advisable. Protecting Valuables in your shed & garage Understanding that sheds and garages often house valuable items, it’s crucial to recognise the importance of this coverage. From gardening equipment to tools and other possessions, our standard coverage is designed to safeguard a range of belongings in these outdoor structures. Assessing Additional Coverage Needs For homeowners with higher-value items stored in their sheds or garages, exploring the option to increase coverage is a prudent step. This ensures that the insurance aligns with the value of the items and provides adequate protection against unforeseen events like theft, fire, or damage. Summary By exploring the coverage for the contents of your shed or garage, you can assess the adequacy of standard coverage and make informed decisions about adjusting it based on the value of your stored belongings.

High-risk or high-value items, as classified by Intelligent Insurance, encompass a range of precious possessions. These include: Jewellery: Adornments crafted with valuable gems and metals. Precious Stones: Gemstones of significant value and rarity. Clocks & Watches: Timepieces of notable worth and craftsmanship. Furs: Luxurious garments made from high-quality fur. Articles made from gold, silver, and other precious metals: Items fashioned from valuable metals. Photographic Equipment: Specialised gear for capturing moments. Binoculars & Telescopes: Optical instruments for observation. Musical Instruments: Instruments valued for their craftsmanship and quality. High End Hifi Equipment: Hifi separates, like speakers, turntables and amplifiers. Pictures and other works of art: Artistic creations with intrinsic value. Collections of stamps, coins, or medals: Assorted sets of stamps, coins, or medals with value and significance.. Computer Equipment: Apple Laptops, Gaming PC desktop computers & accessories These items are automatically covered up to £2,000 per item, provided you have the correct level of valuables cover on your policy. However, items exceeding £2,000 in value need to be explicitly named on your policy, regardless of whether they are kept within or outside your home. This precautionary measure ensures comprehensive coverage and prevents underinsurance.

Understanding the coverage for high-risk items is crucial to ensure comprehensive protection. Here’s a breakdown: Automatic Coverage All high-risk items receive automatic coverage up to £2,000 per item. This coverage is applicable as long as your policy includes the correct level of valuables cover, emphasising the importance of accurately assessing your possessions. Essential Valuables Cover To avoid underestimating your possessions and being underinsured, having the right level of valuables cover on your policy is essential. This ensures that your high-risk items are adequately protected within the specified limits. Items Worth More Than £2,000 If you own items with a value exceeding £2,000, it’s necessary to list each separately on your policy. This applies regardless of whether these high-value items are kept inside or outside your home. Summary By understanding the nuances of high-risk item coverage, you can make informed decisions to safeguard your valuable possessions effectively.

Valuations Frequency While there isn’t a strict timeframe for valuations, it’s not a prerequisite for insuring items. Nevertheless, opting for valuations is advisable for accurate insurance, preventing potential losses during a claim. In cases of high-risk or high-value items, presenting proof of value and ownership becomes crucial – a comprehensive valuation serves this dual purpose. Annual Jewellery Valuations Consider valuing expensive jewellery annually. Market dynamics influence metal and stone prices, making frequent valuations essential. Certain policies may stipulate specific conditions regarding the frequency of valuations or inspections. Policy Endorsements Some policies come with specific endorsements that outline the necessary frequency for valuations or inspections. Adhering to these conditions ensures that your insurance policy remains effective, covering your valuables adequately. Summary By incorporating regular valuations into your insurance strategy, you not only uphold accurate coverage but also demonstrate a proactive approach to safeguarding your valuable possessions against unforeseen events.

Personal belongings cover is a valuable addition to your insurance policy, offering protection for items you carry outside your home. This includes essential belongings like your mobile phone, bag, tablet, and more. While the standard policy covers possessions within your home, personal belongings cover extends this protection to items you take with you on the go. Key Features of Personal Belongings Cover: Coverage Beyond Home This optional extra ensures that your valuable possessions are protected beyond the confines of your home, providing a safety net when you’re out and about. Comprehensive Protection From your everyday essentials like a mobile phone to gadgets and accessories, personal belongings cover safeguards a range of items from potential risks such as theft, loss, or damage. Customisable Options You have the flexibility to tailor your coverage based on your needs. Select the appropriate level of cover, considering the total value of the items you frequently carry outside your home. Additional Premium While personal belongings cover enhances your policy’s scope, it comes as an optional feature requiring an additional premium. This allows you to choose the level of protection that aligns with your lifestyle. Summary By opting for personal belongings cover, you extend the protective shield of your insurance, ensuring that your essentials are covered, whether you’re at home or on the move. Get your instant quote today or speak to one of our experts via live chat.

Choosing the right level of personal belongings cover is crucial for comprehensive protection. Our policies offer the flexibility to select coverage up to £20,000, allowing you to safeguard your belongings with confidence. Tailoring coverage to your needs Whether you have a modest collection of personal items or high-value possessions, our customisable options ensure that you can tailor the coverage to suit your unique requirements. This way, you have the peace of mind that comes with knowing your belongings are adequately protected. Specifying high-value items In situations where you own individual items surpassing £2,000 in value, our policy allows for their separate specification. By doing so, you ensure that these high-worth belongings receive the specific attention and coverage they deserve, contributing to a more comprehensive and personalised insurance solution.

Coverage in Europe When you embark on a trip within Europe, rest assured that your items are covered. Whether you’re strolling through historic streets or relaxing on the beach, our insurance safeguards your possessions, providing peace of mind throughout your European adventures. Worldwide Protection Extend your coverage globally. Beyond Europe, our insurance offers protection worldwide for a maximum of 60 days in each insurance period. From bustling cities to remote paradises, your items are secure, allowing you to create memories without worrying about the safety of your belongings. Tailored for Travel Our insurance is designed to cater to the unique needs of travelers. We understand that holidays come in various forms, so our coverage adapts to your travel plans, ensuring comprehensive protection for your items, no matter where your journey takes you. Summary With our insurance, explore the world confidently, knowing that your belongings are covered against unforeseen events. Travel with the freedom to enjoy every moment, and let our coverage handle the protection of your cherished items.

When you opt for bicycle cover within your policy, Intelligent Insurance ensures that your pedal cycles are safeguarded both inside and outside your home. This comprehensive coverage extends to protection against damage and theft, provided your bicycle is properly secured with a lock. Flexible Protection on the Move Intelligent Insurance offers flexibility, allowing you to enjoy coverage for your pedal cycles wherever you go. This means you can pedal with peace of mind, knowing that your bicycles are protected not only against damage but also in the unfortunate event of theft when secured with a reliable lock. Key Considerations Coverage In and Outside the Home: The bicycle cover spans across different scenarios, offering protection in the familiar confines of your home and extending to various locations outside. Damage Protection Whether you encounter damage to your pedal cycles during transit or while stationary, the coverage ensures you’re financially protected. Theft Security Intelligent Insurance prioritises the security of your bicycles. When properly secured with a lock, the coverage includes protection against theft, providing added reassurance for your valuable possessions. Summary By including bicycle cover in your policy, you make a proactive choice to safeguard your cycling assets wherever your adventures take you. With Intelligent Insurance, enjoy the freedom to explore, knowing your pedal cycles are backed by comprehensive and reliable coverage.

When it comes to insuring your pedal cycles, Intelligent Insurance offers flexibility in coverage. You have the choice to select coverage ranging from the UK to Worldwide. This ensures your bicycles are protected not only at home but also during your travels abroad. Worldwide Coverage Considerations Opting for Worldwide coverage ensures that your pedal cycles are safeguarded against risks, damages, or theft, no matter where your adventures take you. It’s an ideal choice for those who enjoy cycling abroad or frequently travel with their bicycles. Added Peace of Mind Whether you’re exploring local trails or pedalling through foreign landscapes, having coverage for your pedal cycles offers peace of mind. Intelligent Insurance aims to provide comprehensive protection, allowing you to enjoy your cycling adventures without worrying about potential risks. Choosing the Right Coverage When considering coverage options for your pedal cycles, think about your travel habits and how frequently you take your bicycles abroad. Tailoring your coverage to align with your lifestyle ensures that you have the right protection in place. Summary Explore the flexibility of pedal cycle coverage with Intelligent Insurance. Select the coverage that suits your cycling lifestyle, ensuring your bicycles are protected at home and abroad, from local rides to global adventures. If you have any questions, our team is ready to provide the assistance you need.

Contents insurance serves as a safeguard for the possessions housed within your home, offering protection for a wide array of items, including furniture and essential elements like floor coverings such as carpets. Personal Belongings Extension Furthermore, you have the flexibility to enhance your coverage with a personal belongings extension. This extends the protective umbrella to items that accompany you beyond the home’s boundaries. Tailored Coverage Options At Intelligent Insurance, we provide a range of coverage options to tailor the protection according to your unique needs. From safeguarding your home’s interior to extending coverage to belongings on the go, our contents insurance offers comprehensive protection. Summary Ensure comprehensive coverage for your home’s possessions with Intelligent Insurance’s contents insurance. Tailor your policy to match your unique needs, extending protection to personal belongings both inside and outside your home. Trust in our customisable solutions to secure your lifestyle and gain peace of mind.

No legal obligation requires homeowners to secure contents insurance. The absence of a legal mandate, however, contrasts with the practical wisdom of obtaining such coverage. In the absence of a legal requirement, the decision to purchase contents insurance becomes a matter of prudence. Balancing Freedom and Prudent Protection At its core, contents insurance serves as a protective shield for your belongings, safeguarding them against unforeseen circumstances. Without this coverage, the process of replacing possessions following a total loss claim may pose significant challenges. Empowering Decision-Making for Comprehensive Safeguard Proactively acquiring contents insurance offers a comprehensive safeguard for your valued possessions. Intelligent Insurance provides tailored solutions, empowering homeowners to make informed decisions about securing their belongings. This approach ensures that homeowners can navigate the complexities of insurance coverage with confidence. Legal Freedom with Practical Preparedness: Flexible Choices for Total Loss Readiness While not legally binding, the practical benefits of contents insurance make it a wise choice for homeowners. As total loss scenarios can be unpredictable, preparing for such events by considering contents insurance ensures readiness to navigate potential challenges. Intelligent Insurance offers flexible choices, allowing homeowners to tailor their coverage based on their unique needs. Summary Contents insurance is not mandatory by law, but it is highly recommended to ensure homeowners can replace their belongings in case of a total loss claim, offering peace of mind and financial protection.

Intelligent Insurance contents policies are designed to provide comprehensive coverage, ensuring your peace of mind in various scenarios. Explore the key aspects of our coverage: Up to £100,000 Coverage Enjoy substantial coverage for your household contents, with a generous limit of up to £100,000. This extensive coverage provides financial security in the face of potential loss or damage. Additionally, our policies are flexible, allowing you to tailor the limits to align precisely with your unique needs and possessions. High-Risk Items Coverage Safeguard your high-value items with our specialised coverage. Whether it’s jewellery, watches, clocks, musical instruments, or works of art, each item is protected for up to £2,000 by default, providing an added layer of security. For specific items exceeding this limit, you have the flexibility to specify individual coverage requirements. Alternative Accommodation Intelligent Insurance goes beyond standard coverage by ensuring you have a comfortable place to stay in the unfortunate event that your home becomes uninhabitable due to loss or damage. This additional provision underscores our commitment to providing comprehensive support during challenging times. Special Event Coverage Celebrate life’s significant moments with confidence, knowing that Intelligent Insurance offers additional coverage for special events. Whether it’s your wedding day, the festive Christmas period, or other religious festivals, our policies extend to protect your cherished moments, acknowledging the importance of these occasions in your life. New for Old Cover Embrace the ‘new for old‘ principle embedded in our policies. This ensures that in the event of damage or destruction, your possessions are replaced with brand-new equivalents. This forward-looking approach allows you to restore your belongings without considering wear and tear, offering a seamless and comprehensive solution. Summary With Intelligent Insurance contents coverage, you not only receive financial protection but also benefit from added flexibility, support, and personalised solutions. Our commitment is to provide coverage that aligns with your unique lifestyle and priorities. Get your quote online today!