Do I need personal possessions cover?
Do I need personal possessions cover?
You might decide your car insurance provides enough cover for the contents you usually have in your car. But if you keep valuable items such as golf clubs, laptops and buggies in your car. you could look into personal possessions cover to ensure your valuable items are fully protected.
If you own expensive portable technology, you could also consider gadget cover to protect your belongings while you’re out and about.
How can you help protect your car contents?
How can you help protect your car contents?
Check your policy carefully when purchasing your car insurance, look at the level of personal possession cover included by the insurer and make sure the policy you choose is right for you.
Check your excess to ensure you’re able to afford to make this payment, if you do need to make a claim. The excess on the contents section of your car insurance is likely to be less than the excess that applies to the main policy.
Check your home insurance – you may find you have cover for items outside the home. Remember that you can only make one claim for each item, so if you had cover under your home insurance and your car insurance, you could not claim on both policies.
Sources
Consumer sentiment survey – sample based on 2003 UK adults – October 2019
ONS – Vehicle related crime data – 2008- 2018
MSM Car Insurance provider data – 2019