High risk items worth £1,500 or more individually or as part of a collection. Bikes and electronic gadgets (mobile phones, smart watches, laptops, tablets) worth £1500 or more each. To insure any of these items you must list them individually when you take out the policy. You just need to tell us the brand name, model name and cost to replace it new for each item.
Contents insurance does not cover fixtures ( items that are permanently attached to the interior or exterior of your home or outbuildings, such as kitchen or bathroom suites) but it does cover fittings (removable items that are attached to the interior or exterior of your home and outbuilding, such as carpets).