If you require cover for items outside of your home you will need to make sure your policy includes all risks cover.
This covers your belongings while you are carrying them outside of the home. Unspecified all risks will cover individual items up to the amount you have chosen, as long as no single item has a value of over €1000.
If you have items valued at over €1000 you will need to specify them on your policy. Other items such as laptops, mobile phones and bicycles have to be specified on the policy even if they have a value of less than €1000.
For full details of cover, limits & exclusions please refer to your policy pack which was issued to you when you purchased or renewed your policy. Our current policy booklet can be found here.