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Away from home and need to make a claim? Your insurance will be there for you...
The great thing about your contents insurance is that it can go wherever you go. A good contents insurance policy will offer cover for your personal belongings for a small extra sum wherever you are in the world - with the exceptions of war zones and countries that the Foreign & Commonwealth Office recommends you do not travel to. So, from Newcastle to New York and Stevenage to Sydney, the possessions you travel with will be safe.
A good policy will typically cover you for the following:
- Damage or loss of/to clothing and personal effects you use every day - from £2,000 up to as much as £10,000 with a limit on any single items of about £1,500.
- Cash up to £250.
- Credit card with a balance of up to £1,000.
- Your jewellery, watches, sunglasses and luggage.
- Sports, musical, electrical, photographic and medical equipment.
All you need do is call your contents insurance company - the freephone claim lines are usually open 24 hours a day, every day. All you need is your policy number - although it's really helpful if you also have the receipts for the lost or damaged items too. If it's a mugging, make sure you have the police incident reference number. You may need a police reference number to claim for any personal item that is lost - it's always a good idea to check with your insurer.
If your contents are damaged at home while you're away...
It's always possible that you may come home from holiday and find you've been burgled, suffered a fire or weather damage. Your contents insurance cover will look after your belongings as long as:
- Your home hasn't been unoccupied for more than 30 days.
- The items in question that are lost or damaged are covered by your policy. It's important to check the items that are and are not included when you take out the policy, as additional cover is usually available.
Today, you can get a claim underway with a single phone call and some contents insurance companies let you claim online too. Whichever, a good insurer will make sure your possessions are replaced quickly and conveniently.
