If you choose to add our personal possessions optional extra to your policy, it covers you for accidental damage, theft or loss of your personal belongings taken away from your home anywhere in the United Kingdom, and for up to 60 days for items taken outside of the UK during the current period of insurance.

Current period of insurance is the 12 month period up to renewal.

Full details of what's included and excluded under personal possessions is available in your policy terms and conditions booklet but here are some examples of items that aren't covered:

- Dentures

- Musical instruments

- Electronic, electrical or mechanical breakdown

- Mobility scooters

- Motorised pedal cycles

For all Home Insurance policies on PNL/PS/019 terms & conditions

If your policy has been taken out or renewed after 18 February 2024, please note that the below information is for your policy:

We have extended the list of items that can be covered under personal possessions to include:

- Pedal cycles - powered (electric bicycles)

- Mobility scooters/carriages

However, we won't cover liability resulting from use of any electric pedal cycle while:

- anywhere outside of the United Kingdom

- within the United Kingdom where there is a legal requirement to pay

Vehicle Exercise Duty for road use (see www.gov.uk/electric-bike-rules)