Not always. Standard Contents Insurance may only cover belongings at the insured home. Optional Portable Contents cover can extend protection to eligible items taken away from the property.

Examples include:

• Mobile phones.
• Laptops.
• Jewellery.
• Watches.
• Cameras.
• Handbags.
• Sporting equipment.

Standard Contents Insurance should not automatically be assumed to cover these items wherever they are taken.

What is Portable Contents cover? #

Portable Contents is an optional form of cover available under some Home Insurance policies for eligible belongings carried or used away from the insured address.

What can be covered? #

Depending on the insurer:

• Specified high-value items.
• Unspecified portable belongings.
• Accidental loss.
• Accidental damage.
• Theft.

Limits and conditions apply.

Does it cover overseas travel? #

Some policies provide limited worldwide cover for eligible portable contents for a specified period.

The exact territorial limits should be checked.

Do expensive items need to be listed? #

Often yes.

Higher-value items can need to be individually specified with an agreed or nominated value.

Is this the same as Travel Insurance? #

No.

Portable Contents cover is focused on insured belongings.

Travel Insurance addresses a much broader range of travel risks.