Personal Items Insurance

You might decide to take out personal items insurance (also known as valuables insurance) if you own certain things that have a high individual value, such as a laptop.

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You might choose a miscellaneous high-value items policy if you have a number of things that have got high individual value that might change in value reasonably often.

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You might decide to take out personal items insurance (also known as valuables insurance) if you own certain things that have a high individual value, such as a laptop, sporting equipment, camera, jewellery or art, and which may not be covered under a home and contents or travel insurance policies.

Some of the options available under personal items insurance include the ability to cover items from accidental damage, loss or theft away from home. You can even choose to have those items covered separately when you travel nationally and internationally, as most travel insurance policies limit the amount claimed for any one item.

Some policies allow you to cover miscellaneous or unspecified items of high value. In that case, you might have a limit on any one claim and a limit on any one item. Miscellaneous high-value items covered under a personal items policy are treated similarly to a home contents policy, except the amount you can claim for any one item is higher than normally allowed for under a traditional home contents policy

You might choose a miscellaneous high-value items policy if you have a number of things that have got high individual value that might change in value reasonably often. For example, if you often change your mobile phone or your computer equipment or you frequently purchase electronic gadgets, then an option for miscellaneous items coverage means you don’t have to keep updating your policy.

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Other Insurances

Business Insurance

Our Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks.

Home Isurance

Home insurance (or house insurance) is a type of insurance designed to financially protect your home and belongings. For example, if your home is damaged or destroyed in a fire, having the right insurance could mean the insurance provider will pay to replace your belongings and repair or rebuild your home. 

Health Insurance

health insurance is an insurance policy designed to cover the cost of private healthcare. It will typically cover you for surgery associated with ‘acute conditions’, like a hip replacement or having a hernia removed. You can buy different types of policies that offer various levels of cover, at varying costs.

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