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.

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.

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).

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.

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.

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.