Personal Property Protection

Just as accidents happen to people, accidental damage can ruin our personal property such as jewellery, watches, bicycles, cameras and electrical items such as mini hi-fis. Worse still, they can be stolen through theft or robbery.

Personal Property Protection from Assurant Solutions guards these purchases against accidental damage, theft or robbery and, depending on the item being insured, can sometimes be extended to include breakdown.

Features and benefits

Our Personal Property Protection can cover most personal items that a consumer can buy for 1, 2, 3 or 5 years.

• In most cases, claims can be made for the full price paid for the item.
• Example maximum policy limits are £6,000 for jewellery and £5,000 for watches.
• Purchases will be repaired or replaced as a result of accidental damage, theft or breakdown.
• Worldwide cover means that items are protected no matter where the individual takes them.
• No policy excess to pay.
• Immediate cover giving the individual peace of mind that their purchase is covered from day one of ownership.
• A 30-day cooling off period so that the consumer can make sure this is the right cover for them.

Eligibility

The consumer buys the insurance at the same time as they purchase the goods from one of our participating retail partners. The receipt for the item is retained as proof of purchase and cover.

Exclusions

The main exclusions include:

• Goods that are lost;
• Goods that are already covered by another form of insurance (e.g. manufacturers warranty);
• Goods bought in a sale;
• General wear and tear;
• Goods left in a car or at work and which have not been securely locked away;
• Goods bought in a sale.

For a full list of the exclusions, please refer to the policy terms and conditions. If you would like a copy, simply click on "contact us" and detail your request.