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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.

Contents in the open encompasses possessions deliberately positioned outside within your property’s boundaries. These outdoor items, crucial for enhancing your living space, may include garden furniture, patio heaters, and ornamental decorations. Understanding the significance of these belongings and their exposure to external elements emphasises the need for comprehensive coverage. Intelligent Insurance goes beyond standard policies, offering tailored solutions to ensure your outdoor possessions are adequately protected. This commitment provides you with the reassurance that your lifestyle assets, even in open spaces, are part of a robust and inclusive insurance plan, delivering peace of mind in every corner of your home.

Navigating the possibility of buying contents insurance without buildings insurance offers flexibility. Independent Policies You can purchase contents insurance independently, especially if you don’t own the property or have separate renewal timelines for contents and buildings policies. Combined Savings While it’s recommended to bundle both policies for potential discounts, it’s not mandatory. Purchasing separately is a viable option based on your unique circumstances. Timing Considerations Evaluate the timings of your contents and buildings policies. If they don’t align or you don’t own the property, purchasing them independently can be a practical choice. Summary Understanding the flexibility in acquiring individual policies empowers you to make choices that align with your specific needs. Intelligent Insurance provides adaptable solutions for comprehensive coverage tailored to your situation.

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.

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.