Find out more about the policy.
The information below gives you details at a glance to help you decide which product is right for you. Just select any feature below to find out more. We want you to be confident that your policy covers everything you need it to so please be sure to read the full policy wording (PDF 265kb) before you decide to buy.
|Features and Benefits||Significant exclusions and limitations|
Sum insured and settling claims
You select the sum insured, which is the total amount of cover you require. This must represent the market value of your collection.
When we settle a claim we will repair, replace or pay the market value.
Unless another limit is shown below, the most we will pay will be the sum insured.
The most we will pay for any one item not specified in the schedule is £1,000.
The sum insured on unspecified items is increased by 10% or £2,000, whichever is the less, to cover items you acquire during the period of insurance.
|You must tell us about the new possessions within 60 days of acquisition and pay any extra premium if required by us.|
|Excess||You will have to pay the first £25 of each claim.|
Accidental loss or damage to the collection whilst
1. In your home and elsewhere within the UK whilst
Cover under 1 above is extended to include items in the collection whilst elsewhere in the world for up to 90 days in any one period of insurance.
Theft from an unattended vehicle unless it is fully locked.
Theft from an unattended hotel room unless involving forcible entry to or exit from the room.
Theft of property left overnight or unattended at exhibitions or fairs unless involving forcible entry to the premises or locked room or there is a 24 hour static security guard or as alternatively agreed by us in writing.
£250 any one claim increasing to £1,000 any one claim if sent by Royal Mail Special Delivery.
£5,000 any one claim.
Main Features, Benefits and Exclusions
The following excesses apply to your policy as a whole regardless of the specific cover you have selected. For full details of these please read your Policy Wording/Schedule.
The below endorsements may become operative depending on the amount of sum insured you require.