What are high risk items?
High risk items aren’t necessarily the most expensive ones in your home, they are things that are the most likely to be stolen should your home be broken into. These include CDs, jewellery, phones, credit cards and of course cash – anything that can be quickly and easily taken and sold or passed on by thieves.
When looking for a home contents policy you will be asked to list the high risk items in your home. This helps the insurance company decide how much of a risk it would be to offer you insurance. It also helps them set the level of your premium – the higher the risk, the higher the premium.
Don’t worry though, having high risk items in your home doesn’t automatically mean higher premiums. Some insurance policies cover high risk items as standard, you will usually find a list of them in your policy document.
esure offers cover for a range of high risk items (see the following list) and will insure any single item up to the value of £1500. If you have anything of this value you’ll need to specify this when you take out your cover. Anything of a higher value might need additional cover.
Example of high risk items:
- antiques
- articles of gold, silver or other precious metals
- audio equipment
- camping equipment
- compact discs
- computer equipment
- credit, debit, charge, cheque or cash cards
- curios
- digital versatile/video discs
- DVD players/recorders
- furs
- guns and firearms
- jewellery
- mobile phones
- money
- pedal cycles
- paintings
- photographic equipment
- portable electronic games
- portable musical instruments
- portable sports equipment
- stamp, coin and medal collections
- televisions
- video and audio equipment
- watches.
High risk items do not include:
- household goods
- any domestic appliance which is part of fitted units
- interior decorations
- living creatures
- motor vehicles, caravans, trailers, boats, canoes, windsurf boards, surfboards, sailboards, personal watercraft, hovercraft, aircraft, gliders and any parts and accessories which are designed to be used with any of these
- property owned or used totally or partly for business purposes or connected with any employment (but not property defined as office equipment)
- data, information or computer programs which have been created by, or specifically for members of your household
- property more specifically insured by this or any other policy.
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Is the cheapest policy always the best?
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