Contents insurance personal items vs high value

Pmarmalade

I'm using confused.com to get a home insurance comparisson and I am a little confused...

I have camera equipment to insure in and away from home (camera body + lenses + accessories) and confused.com asks me to specify:

• High value items over £1,000 and cover away from home: Yes / No (examples include photographic equipment)
  
• Personal possessions worth under £1,000 e.g. cameras (items you usually wear or take outside of the home each day)

I'm really not sure if most insurers consider my kit one item or many (I keep it all in one bag) or whether it's a high value item with cover away from home or needs to be personal possessions?

FutureGirl

If it's bought as a kit, then it's one item.

If the items are bought separately, then they're separate items.

The 2 options mean the same thing just one is if each item is more then £1K, and the second is if each item is less than £1K

dacouch

To add to that.

Try your best to keep the receipts and / or screen shot of web page and / or scan the receipts and upload them to the cloud / store them on your PC

Pmarmalade

Likewise for my computer - I built the tower myself and bought the monitors separately, but examples seem to consider computers + monitors as one?

FutureGirl

Would you need to cover that away from the home though?

Pmarmalade

FutureGirl wrote: »

Would you need to cover that away from the home though?

No, sorry, that's just for the high value items worth over £1k question. Individually no, but together they cost over that.

FutureGirl

The top Q refers items over £1k AND cover away from the home.

The second Q refers to items under £1k away from the home.