What is all risks cover?

All Risks Cover provides extended protection for personal belongings against loss, damage, or theft outside your home. Available to both renters and homeowners, it ensures peace of mind whether you're at home or away.

What’s the difference between specified and unspecified all risks cover?

Two options are available:

1. Specified All Risks Cover:

   • Items typically valued over €500 each must be listed individually.

   • Some items need specifying regardless of value, including laptops, mobile phones, tablets, bicycles (up to a maximum of €1,500 per bicycle).

   • You can clearly list up to 6 items, including descriptions and individual values, on your insurance schedule.

   • Each specified item can be insured up to a maximum of €10,000. Items worth more than this can't be covered under Specified All Risks.

   • Items not individually listed are automatically covered up to 10% of your total contents cover.

   • If your home has a standard alarm, your total cover (contents plus specified items) can't exceed €150,000. If you have a monitored alarm, this limit increases to €210,000.

   • We might ask you for valuations of specified items if you make a claim.

2. Unspecified All Risks Cover:

   • Insures multiple personal items, each valued under €1,000, without individually listing them.

   • Ideal for items like jewellery, watches, and bags regularly taken outside the home.

   • Total insured value is shown on your insurance schedule.

Are there limits or conditions to All Risks Cover?

Conditions apply, including:

• Worldwide cover up to 45 days per policy year.
• Claims for specified items may require valuations.

Does my policy include All Risks Cover automatically?

No, All Risks Cover is optional and must be selected separately. Ensure it's included on your schedule.

Need more clarity or ready to add cover?

To discuss your options, review your policy documents or contact us directly. We're here to ensure your valuables stay protected wherever you go.