Smartphones. Laptops. Watches. Our most valuable possessions are often the ones we carry around with us. That’s why we offer personal belongings insurance, to protect your valuables in case they’re lost, stolen or damaged when you’re away from home.
Personal belongings insurance protects your valuables against theft, loss and damage when you take them out of your home. We know that these incidents can happen at any time, which is why our cover protects your possessions anywhere in the world.
You can choose to add cover up to £2,500, £5,000 or £10,000 per incident, with a single item limit of £2,500. Whether you leave your iPad on the train, smash your mobile phone in town or have your camera stolen on holiday, you can claim on your personal belongings cover.
Our personal possessions insurance covers the loss of or damage to your personal belongings when you’re away from home, as well as items that you’ve hired and are legally responsible for.
These valuables might include (but aren’t limited to):
We also cover bicycles, but they are covered slightly differently. Read more about our bicycle cover.
There are certain circumstances that aren’t covered by our personal possessions insurance policy. These include:
This isn't an exhaustive list. You should always check the Policy Book for full details of exclusions.
Yes, personal belongings insurance is specifically there to protect items when you take them with you away from home. Whether you’re off to work, going for coffee with your friends or jetting off on holiday, our cover protects your possessions wherever you are in the world.
Heading off on holiday? Don’t forget your travel insurance. But rest assured that our personal possessions insurance covers most of your valuables anywhere in the world.
The only exception is for bicycles – these are covered in the UK, Channel Islands, Isle of Man and up to 60 days in Europe. So if you’re heading abroad with your bike, make sure you check your policy and get extra cover as part of your travel insurance if need be.
Yes you can. If you're over-insured, you might be paying too much for your policy. Or you might be doubling up on personal item insurance if you already have cover for certain valuables through other insurance policies.
You can also be under-insured. If that’s the case, when you make a claim, you may not get enough money back to cover the cost of the loss, damage or theft.
That’s why it’s important to correctly estimate the value of your personal possessions when you buy home insurance.
There's plenty to explore and learn about our home insurance cover.
Fix the price for the next 2 renewals with Saga Plus home insurance. You'll have no surprises when you come to renew. T&Cs apply.
Protect your property with buildings insurance. We offer up to £1 million cover, three-year fixed price and no cancellation fee.
Protect your favourite things against theft, fire and accident with up to £100,000 content cover at a 3-year fixed price.
A higher level of buildings and contents cover for the over 50s with Saga TailorMade Home Insurance.
Tailor your home insurance policy to suit your needs with optional extras such as Saga Home Emergency and Legal Expenses.
Get cover for home emergencies with a 24/7 emergency helpline, unlimited callouts and up to £2,000 per incident. Optionally include cover for your boiler & heating too.
Insure your holiday home for peace of mind that it’s protected, even when you’re not there.