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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.

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.

Adding home emergency plus cover to your Intelligent Insurance home insurance policy is a cost-effective choice. For only £57.12 per year or a budget-friendly £5.33 per month, you can enhance your coverage and gain additional protection for unforeseen home emergencies. Comprehensive Coverage The affordable premium for home emergency plus cover ensures that you have access to comprehensive protection. This extension adds value to your policy, covering a range of emergencies that may occur in your home. Enhanced Peace of Mind Investing in home emergency plus cover goes beyond affordability; it provides enhanced peace of mind. Knowing that your policy includes additional protection for emergencies contributes to a sense of security for you and your home. Simple Addition to Your Policy Intelligent Insurance simplifies the process of adding Home Emergency Plus cover to your policy. Simply chat with our team or manage your policy directly from your online account to add this coverage. Summary Explore the cost-effective option of home emergency plus cover at £57.12 per year or £5.33 per month. With this addition, you can enjoy enhanced protection and peace of mind for unexpected home emergencies.

Yes you can.  You may not wish to insure your contents, or your contents policy may be due at a different time to your buildings policy. However, if you are buying both contents insurance and building cover, we would always recommend purchasing the two policies together.  Most companies will offer a discount for combining the two elements, but purchasing both together is not essential.

If you have buildings insurance cover with Intelligent Insurance, your patio and walls are automatically included. Here’s a breakdown of the coverage: Permanent Fixtures Coverage These are considered permanent fixtures and are covered under your buildings insurance. Enjoy peace of mind knowing that damages to these essential elements of your property are included in your policy. Contents in the Open Coverage Items that can be moved around, such as garden furniture or plant pots, fall under the category of contents in the open. The coverage for these items can vary by underwriter, with protection extending up to £1,000. Summary Understanding the distinction between permanent fixtures and contents in the open ensures that your coverage aligns with the specific components of your property. Intelligent Insurance provides comprehensive solutions to safeguard both your property’s structure and its movable contents in outdoor spaces.