More about Personal Possessions Insurance

Our optional personal possessions cover is a valuable extension to our Home Insurance to protect against accidental loss or damage of items normally worn or carried, like jewellery or mobile phones, inside and outside the home anywhere in the UK and whilst abroad.

A little extra

Personal possessions cover can be added to your Contents Insurance. Personal possessions detail can be found within our latest Home Insurance Policy Booklet

Latest Policy Booklet

Personal possessions cover includes...

  • The ability to specify more expensive items in your policy valued over £2,500
  • Cover for accidental damage or loss to your personal possessions including clothing, jewellery, mobile phones, laptops, tablets, pedal cycles, photographic and sports equipment
  • Cover for money up to the value of £1,000
  • Cover for unauthorised use of credit cards up to the value of £500
  • Protection for bikes (pedal cycles or electric pedal cycles) up to £2,500 per cycle or specify on your policy if higher amounts of cover needed
Laptop and camera on desk

What may not be covered...

Our personal possessions cover is designed to cover unforeseen events, but it doesn’t cover every eventuality. For example, loss or damage that happens after more than a total of 60 days outside of the UK during the current period of insurance, will not be covered. We also don’t cover damage to sports equipment whilst in use.

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 Excise Duty for road use see for more information

Your personal possessions cover limits

If your contents limit is £75,000 (which is our standard contents limit) the most you'll be able to cover for personal possessions away from the home is £22,500. If we've increased your contents limit to £100,000 through our plus plan, the most you'll be able to cover for personal possessions away from the home is £30,000


How to buy

If you already have a Home Insurance policy with Paymentshield and want to add personal possessions cover to your policy, please give us a call on 0345 601 1050 or use our webchat and a member of our team will be happy to help.

Have any questions?

why not use our webchat or call 0345 601 1050.

Already a policyholder?

log into your customer account  to see if you already have personal possessions cover added to your policy.

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