Covering your High Risk Property
Intelligent Insurance’s home contents policies automatically include coverage for high-risk property within the home, with a standard limit of up to £2,000 per item, subject to the overall policy limits. To ensure comprehensive protection for high-value high-risk items both inside and outside the home, you have the option to specify these items and their values in your policy.
Our policies define ‘High Risk Property’ to include, but are not limited to:
- Jewellery
- Precious metal & stones
- Clocks & Watches
- Furs
- Photographic Equipment
- Binoculars & Telescopes
- Musical Instruments
- Pictures and other works of art
- Collections of stamps, coins or medals
Extending Cover for Items Below £2,000
If you require cover for a high risk item worth less than £2,000 away from the home, you can either specify it on your policy or select optional personal belongings cover, which is available in increments of £1,000 up to a total of £10,000. Depending on the level of personal belongings cover you select, individual items below £2,000 in value (or the limit as stated on your Policy Schedule) are automatically covered away from the home up to the total cover limit selected.
Get a quote to add high risk items to your policy by visiting My Account
For help with your quote, use our online chat to speak with a member of our team
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
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