House Contents Insurance
Specialist Items Not Covered by House Contents Insurance
If you have a number of specialist or expensive items in your home it is worth notifying your insurer because these might not fall under typical standard house contents insurance cover.
UIA's house contents insurance is designed to be fairly comprehensive so that you don't have to worry about having enough cover (UIA provide up to £75,000 contents insurance). However, some items are often referred to as 'high risk' or, if you need cover for your personal possessions away from the home, you may be required to notify your insurer and in some cases, take out additional cover.
High Risk Specialist Items
These are generally seen as expensive items that will cost a lot of money to replace or repair but could also make your property more vulnerable to burglaries. For this reason it is recommended that you notify your house contents insurance provider to firstly make sure the expensive item(s) can be covered and secondly to take out any single item cover that you might need.
Some common examples of high risk speciality items that most people think are naturally covered by a house contents insurance policy include expensive jewellery like engagement rings, high-end photography equipment or works of art. Whilst your policy will probably cover them, there is likely to be a limit for these under 'standard' cover.
UIA offer single item cover to insure these high risk speciality items and you will need proof of a recent valuation or a receipt of purchase so that the right level of cover can be provided.
Away From Home Specialist Items
There is some cross-over between high risk items and those that fall under the term away from home like jewellery or expensive bikes so you will need to specify these items. A house contents insurance policy will generally cover many of your basic items but if you want these to continue to be insured whilst they are away from your insured property you are likely to need to notify your insurance provider.
Bicycles are a common possession that needs to be specified for cover away from the home. UIA's insurance when purchased online will cover up to five bicycles away from home for up to £300 each. Other common items that could be insured away from home include laptops, MP3s and sporting and camping equipment. All of these things can be covered by taking additional cover with UIA.
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