Personal Possessions

Personal possessions insurance is usually sold as an 'add-on', personal possessions insurance covers your personal property when you are away from home and is in addition to your basic home contents policy.

Personal possessions are defined as those that you might take outside of the boundaries of your property, and the insurance covering them is often offered in travel insurance policies', however this form of insurance is useful even if you aren't planning a trip away.


If adding more to your home insurance is becoming too costly you could consider opting for a voluntary excess; this is an amount you agree to pay in the event of a claim, and will reduce the overall cost of your policy. It's important to check if your insurer is already imposing a compulsory excess in the event of a claim, which can start at £50 per claim.

Other ways of reducing the cost of your home insurance policy is by adding additional security measures such as better locks and alarms, as many insurers will offer a discount for these.