This buildings and contents insurance for homeowners is underwritten by a panel of insurers. For more information about the insurers on our panel, click here.
Customers who take out contents cover can pay an additional premium to insure items taken away from the home. They can select any amount up to £10,000 and items covered are:
luggage, clothing and furs
mobile telephones (up to £250)
spectacles (up to £250)
hearing aids (up to £250)
musical instruments (up to £500)
sports equipment
pedal cycles (up to £500)
guns
money
other items of personal use which are specifically designed to be carried or worn about the person
The main exclusions for personal belongings are:
mobile telephones insured under another policy
sports equipment whilst in use
pedal cycles used for trade or profession
theft of money or credit cards where the correct reporting procedures are not followed
To ensure your customer's belongings are insured correctly you should use our guidance notes for specified items.
If your customer is considering personal belongings to insure hand held gadgets away from the home you should consider our gadget cover as an alternative. If you take this separate cover and your customer needs to make a claim for a gadget, the no claims discount on home insurance would be unaffected.
The maximum amount of personal belongings cover is £10,000. If the customer requires more cover we can arrange for Sterling to provide an individual quotation, for more information click here.
This page is only intended for use by 3XD registered intermediaries.
