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Some of your most valued possessions go wherever you go, from jewellery and smartphones to laptops, cameras, or bicycles. All Risk insurance extends your home contents cover to protect these portable items against loss or damage, whether you're at home or out and about.
Protect your smartphone and its accessories (including chargers, headphones, or power banks) when you’re on the move. If specified in your policy, our cellphone insurance covers loss or damage to items you regularly carry outside your home.
Get cover for your laptop, its accessories (like chargers and cables), and standard retail software, provided it’s specified in your home insurance policy. You're protected against loss or damage, even when you're on the move.
Get comprehensive cover for your bicycle, cycling gear and wearable tech (including your helmet, cleats, smartwatch, Garmin and phone) with our All risk cover. It’s tailored bicycle insurance for the things you rely on when you’re out riding. Just make sure your items are specified in your policy.
Whether you're training for a marathon or just tracking your steps, wearable tech like smartwatches and fitness trackers have become essential gear. If your device is specified in your home insurance policy, our All Risk cover protects it against loss or damage, even when you're out on the road or trail.
Answer a few quick questions to get an obligation-free All Risk insurance quote for your portable possessions.
Claims and Emergency Services
Tel: 0860 505 911
Do you also cover household goods?
Yes. Our home contents insurance ensures your household goods are protected against insured events like fire, theft or damage. For items you take outside the home (like smartphones, jewellery, laptops, or bicycles) you can add portable possessions or All risk cover.
What is optional cover?
Optional cover, also known as an extension, is additional insurance you can add to your existing policy. This includes items like cellphone insurance, smartwatch insurance, or bicycle insurance for items that are regularly used outside the home.
What is the meaning of new for old settlement?
In some cases, especially with device insurance, it's not possible to replace your item with the exact make and model. If your item is lost or damaged beyond repair, we’ll settle your claim by replacing it with a new, similar model (e.g., for laptop or smartphone insurance).
Does bicycle cover include accidental damage during a ride?
Yes, bicycle insurance under all risk cover includes theft from public spaces, provided there’s evidence of forced entry or the bike was securely locked. Always check your policy terms for specific conditions.
Do I need to specify items for portable possessions insurance?
Some items, like jewellery or bicycles, need to be specified with details and value to be covered. Other lower-value items may be covered under unspecified all risk insurance, up to a certain limit.
Is cellphone insurance included under all risk cover?
Yes, cellphone insurance is available as part of all risk cover. It protects your phone against theft, loss, or accidental damage, even when you’re outside your home.
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