Contents Cover topics

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.

Understanding the Basis of Replacement The term ‘new for old’ eloquently describes how an insurer replaces possessions that are damaged or destroyed. Fundamentally, items are replaced with brand-new equivalents, regardless of their age or depreciation. Example Illustration Consider this scenario: If your 7-year-old television succumbs to a fire, the insurer will promptly provide you with an equivalent model available in today’s market. Consequently, this replacement is valued at today’s prices, ensuring that you receive coverage to purchase a new item without any deductions for wear and tear. No Deductions for Wear and Tear A pivotal aspect of the ‘new for old’ concept is the complete absence of deductions for wear and tear. In simpler terms, your insurance coverage fully covers the cost of replacing the damaged or destroyed item with a new one, eliminating any reduction in value due to the age or usage of the original possession. Summary By exploring the concept of ‘new for old,’ homeowners gain insight into the replacement process and can confidently navigate insurance claims with the assurance of receiving equivalent, new items.

Yes. Your home insurance covers food kept in your fridge and freezer if it’s damaged or spoiled because of an insured event (for example, a power cut, breakdown or fault with the appliance). Standard cover Up to £750 is included as part of our contents insurance This helps with the cost of replacing perishable food and drink items. Check your needs If you regularly store higher-value items or large quantities of food, you may want to increase your contents sum insured. Policy limits and optional add-ons can be adjusted to suit your household. Making a claim If food in your fridge or freezer is damaged or lost, you can make a claim for the value (up to the limit on your policy). See our claims guide for how to get started. Key point: Always review your Policy Schedule for the exact limits that apply to you.

Coverage for bicycles is not automatically included in your contents insurance. It is only provided when you actively opt to add pedal cycle cover to your policy and specify each individual bike. Damage and Theft Protection Once specified, your bicycle is covered for damage and theft, up to the claims limit assigned to that specific bike. This detailed specification provides comprehensive protection, addressing potential risks associated with owning valuable bicycles. Claiming for Stolen Bicycles and the Impact of Security The success and amount of a claim for a stolen bicycle are influenced by the bike’s claims limit and the security measures in place. Effective security not only helps protect your bicycle but can also enhance your potential for reimbursement in the event of theft. Summary By exploring the nuances of bicycle coverage within your contents insurance, you can make informed decisions about enhancing protection for your valuable possessions, including bicycles.

Yes, we ensure the protection of your child’s belongings at college, boarding school, or university, including against flood, fire, and theft in dormitories. Our policy offers an all-encompassing solution to safeguard their items during their time away. Streamlined Student Coverage Our policy eliminates the need for separate student content insurance by covering the unique situations of students living away from home. This simplifies the insurance experience. Understand Your Coverage Limits Coverage amounts vary by insurer. Review your policy schedule for specific limits to ensure your child’s possessions are adequately covered. Ensure Tailored Protection Familiarising yourself with the coverage details allows you to provide customised protection for your child’s items, ensuring peace of mind. Our Commitment We aim to offer convenience and reassurance that your child’s possessions are securely insured while they pursue their education, providing reliable insurance solutions tailored to your needs.

Bicycle Coverage Inclusions Certainly, your child’s bicycle is covered, but there’s a condition. To ensure robust protection, consider adding Bicycle cover to your policy. Specify the replacement value for the bicycle to extend coverage, safeguarding it against various potential risks. Security Requirement Additionally, it’s crucial to note that for coverage to be effective, lock the bicycle to an immovable object when not in use. This security measure ensures that the insurance extends to instances when the bicycle is inactive, mitigating the risk of theft or damage. Customised Protection By actively adding Bicycle cover to your policy, you personalise your insurance protection, tailoring it to the specific needs and value of your child’s bicycle. This strategic approach allows you to enhance coverage for valuable items and address potential risks associated with outdoor belongings. Understanding Replacement Value By specifying the replacement value of the bicycle is vital for accurate coverage. This ensures that in the event of loss or damage, the insurance payout reflects the current market value of a similar bicycle, facilitating a seamless like-for-like replacement. Summary By actively exploring the specifics of bicycle coverage while your child is away, you can make informed decisions about customising your policy, ensuring that their bicycle is adequately protected against potential risks.

While your child is away at university, their possessions fall under the category of contents. This coverage includes a diverse range of items, such as clothing, books, sports equipment, electronic gadgets, and laptops, subject to the specified cover limits and exclusions outlined in your policy schedule. Inclusion of Personal Belongings Moreover, the term “contents” encompasses personal belongings taken to university. It ensures that their possessions are protected against potential risks, including essential clothing items, academic materials, sports gear, and electronic devices. Understanding Policy Limits Reviewing your policy schedule is essential to understand the specific cover limits and exclusions applicable to these possessions. This information guides you on the extent of protection provided and any limitations associated with certain items. Ensuring Adequate Protection Both parents and students must ensure that the insurance policy aligns with the value of the possessions taken to university. If necessary, you can make adjustments to the policy to enhance coverage or accommodate specific needs. Communication with Your Insurer Additionally, if you have any concerns or questions about the coverage while your child is at university, feel free to reach out to us should you need clarification. Understanding the details of the policy ensures that you can make informed decisions to safeguard your child’s belongings. Summary By exploring the specifics of possession coverage while your child is away at university, you can navigate the insurance landscape with confidence, ensuring that their belongings are adequately protected.