Standard contents cover will provide cover whilst your items, including your mobile phone are within the boundary of your home and garden.

Contents cover is designed for what is inside your home but there are circumstances in which cover is provided outside of the home. e.g. temporary or student accommodation. Please check your contents policy wording to see what is included in our policy booklets.

Contents which you commonly carry with you will also be covered outside of your home, if you have the ‘Everyday personal belongings’, ‘Higher Value Personal Belongings’ or ‘Personal belongings’ optional cover.

Please check your Insurance Schedule/Statement of Fact for any exclusions or limits that might apply, which can be found in your online account or your policy confirmation email.

If you’re ready to make a claim, visit online claims.

Manage a home insurance claim