This article only applies to our Urban Jungle Contents Insurance and Buildings & Contents Insurance (not Buildings Only Insurance or Tenants Liability Insurance) and Select By Urban Jungle Buildings and Contents Insurance. If you’re unsure about which policy you have, please refer to this article.
Our Contents policy covers jewellery and other valuables within the home as standard. You don’t have to declare these items on your policy, you must simply ensure that your cover levels are appropriate for the cost of your combined items.
If you wish for these items to be insured out of the home, you can opt in for Out of Home Cover. This add-on can cover personal items you take out of the home on a frequent basis for up to £15,000. Please note, items worth over £2,000 must be declared and the limit of value for any specified single item is £15,000. You can find more information about the Out of Home add on in this article.
Claims for jewellery or watches worth more than £3,000 require an independent valuation less than 3 years old at the point of claim, or proof of purchase with sufficient detail to allow an after the fact valuation to take place.
You can find more information about this in the policy document that you can access through the ‘My Account’ section of our website. If you don’t have a policy with us , you can find more information in our sample policy document.
If you wish to add Out of Home cover to your policy or update any of your policy details, you can do so via the 'Manage Policy' section on the My Account page of our website.
Our Building & Contents policy covers jewellery and other valuables within the home as standard. You don’t have to declare these items on your policy, you must simply ensure that your cover levels are appropriate for the cost of your combined items.
The maximum amount we will pay you in any single claim for valuables is £15,000 or your contents cover level, whichever is less.
Valuables include jewellery, watches, decorative items and/or collections of gold, silver, gemstones or other precious metals, furs and works of art.
If you wish for these items to be insured out of the home, you can opt in for Out of Home Cover. This add-on will only cover personal items you take out of the home on a frequent basis for up to £15,000. Please note, items worth over £2,000 must be declared. You can find more information about the Out of Home add on in this article.
Claims for jewellery or watches worth more than £3,000 require an independent valuation less than 3 years old at the point of claim, or proof of purchase with sufficient detail to allow an after the fact valuation to take place.
You can find more information about this in the policy document that you can access through the ‘My Account’ section of our website. If you don’t have a policy with us , you can find more information in our sample policy document.
If you wish to add the Out of Home cover to your policy or update any of your policy details, you can do so via the 'Manage Policy' section on the My Account page of our website.
With most of our Select by Urban Jungle Building and Contents Insurance, valuables within the home are typically included as standard. The valuables limit depends on your total contents cover level.
However, it's worth noting that valuables are excluded from certain types of policies such as some rented home/landlord policies, holiday homes, unoccupied properties or buildings only policies.
Valuables include jewellery, watches, decorative items and/or collections of gold, silver, gemstones or other precious metals, furs and other works of art. When you take out a policy, you’ll have to declare valuables in your home worth over 10% of your total contents cover level chosen.
The maximum amount we would pay in a claim for any single valuable is 10% of your total contents cover limit. It’s worth noting that each individual item cannot be covered if it is more than 20% of the total contents cover level. The total sum of valuables within the home cannot exceed 50% of your total contents cover level.
If you wish for these items to be insured out of the home, you can opt in for Out of Home Cover. You can select between £1,000 and £10,000 of cover. You must individually specify any single item, or collection forming a set, that is valued over £2,500 that you want covered outside your home. If you wish to add the Out of Home cover to your policy or update any of your policy details, you can do so via the 'Manage Policy' section on the My Account page of our website.
For more information about valuables cover, please refer to your policy document that you can access through the ‘My Account’ section of our website. If you don’t have a policy with us, you can find more information in our sample policy document and get a quote here.