Search Results

Drones and drone accessories may be covered under general contents insurance while they are kept in the home, subject to the policy terms, limits and exclusions. At present, drones are not covered under personal possessions cover, which means they are not covered when taken away from the home. If you use a drone outside the home, especially for commercial purposes, you may need specialist drone insurance. Commercial drone users are required to have third-party insurance as a minimum, and recreational users may still be responsible for injury or damage they cause while flying. If your drone is high value, used professionally, or regularly taken away from home, it is worth checking your policy wording or speaking to us before assuming it is covered.

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.

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.