Protection for selected possessions that travel beyond your front door.
Personal All-Risks
Protection for selected possessions that travel beyond your front door.
All-risks cover follows specified or grouped portable possessions away from home. It is particularly useful for items that are regularly carried, worn or used in different locations.
Protection mapped to the exposure.
Specified valuables
Individually listed items such as jewellery, watches, cameras and laptops.
Unspecified possessions
Lower-value personal effects grouped within the policy limit.
Accidental loss or damage
Broader cover for qualifying sudden and unforeseen incidents.
Worldwide territory
Many policies extend cover internationally for a limited period, subject to terms.
Details that shape a better policy.
Specify valuable items
High-value possessions usually need descriptions and individual sums insured.
Update valuations
Jewellery and specialist equipment values can change materially over time.
Check device conditions
Portable electronics may have security, proof-of-purchase or excess requirements.
Clear advice from first review to claim support.
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01
Understand the exposure
We start with the people, assets, activities and obligations that create the real risk.
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02
Compare suitable cover
We approach appropriate insurers and explain meaningful differences in limits, excesses and wording.
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03
Support the policy and claim
We keep the cover current and help coordinate communication when an insured event occurs.