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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.

Deciding what items to include in your contents insurance is crucial for accurate coverage. Consider the following guidelines: Comprehensive Definition Think of contents as everything you’d take when moving house, including carpets, curtains, and white goods like washing machines and dishwashers. Thorough Inventory Conduct a thorough assessment of your home, exploring rooms, garage, shed, and loft. Calculate the replacement cost for each item as if they were brand new. Inclusive Categories Include a diverse range of items such as furniture, jewellery, electronics, clothing, and more. This ensures a comprehensive representation of your belongings. Summary Accurate estimation is crucial. Underestimating the value of your contents might result in a lower payout during a claim. Take the time to assess and calculate replacement costs diligently. Understanding the breadth of what should be included in your contents insurance ensures that your policy reflects the true value of your possessions, providing adequate coverage for various scenarios. Intelligent Insurance encourages a meticulous approach to ensure your peace of mind in the event of a claim.

Understanding the difference between home insurance and contents insurance is vital. Home Insurance Defined Encompasses both buildings and contents insurance. A comprehensive package safeguarding your property’s structure and its internal belongings. Contents Insurance Focus Specifically covers the belongings within your home. This includes furniture, electronics, clothing, and other personal items. Summary Deciphering these distinctions ensures clarity when choosing the right insurance coverage for your needs. Intelligent Insurance provides tailored solutions for both aspects, offering a comprehensive approach to protect your home and its contents.

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.

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.