Personel belongins/possessions

johannamse

Hi,

Doing the annual quote for home insurance. We are currently with halifax. We are trying to work out the difference between "contents" cover and "personel belongings cover". The contents appears to cover everything we can think of in all scenarios, and the policy doc for pb does not give many differences. can anyone shed any light on this?

Cheers

wolftastic_2

The definition of Contents includes anything in your home, or within the boundaries of your home, and as a general rule of thumb means anything you would take with you if you moved house, so things like fitted kitchen units etc are part of the building.

I would imagine the Personal Belongings Cover or Personal Possessions Cover as it is often called will cover items taken outside your home, e.g. jewellery, camera equipment etc. Often PB or PP cover will have a single article limit of up to say £500 depending on the total PB sum insured. If you have anything over £500 you want to insure outside the home you will need to specify it.

JasonW_2

Yep Im with esure and they cover (well its an add-on extra) any item upto £1500 and a max of £2500 on all items at one time, away from home. Includes laptop, camera, MP3 player, jewellery, mobile phone, that kind of thing. Yes everything is contents you are right, but they would only otherwise be covered if they were in the home at the time of any accident or theft. In my opinion its well worth it. With esure they dont ask you to give them details of the items beforehand either, which simplifies things. You must note though, that while it sounds great you still have to pay the excess for the claim, and next years insurance will probably rise, so you need to work out if claiming for a £100 camera away from home is going to be worth the extra expense, for example.

JW

johannamse

Thanks Guys. Much appreciated.