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What’s the difference between high risk items and general personal possessions?

High risk items are belongings that are more frequently stolen:

  • Antiques.
  • Rare books.
  • China, glass and porcelain.
  • Clocks.
  • Coin, medal, stamp and other collections.
  • Electric wheelchairs/mobility scooters.
  • Gold and silver including plated articles.
  • Guns.
  • Jewellery and watches.
  • Furs.
  • Handbags.
  • Pictures/paintings and other artwork.
  • Garden equipment including lawnmowers.
  • Sporting equipment.
  • Musical equipment.
  • Medical equipment.

General personal possessions are items that you take out of the property on a daily basis or take on holiday, such as jewellery, watches, cameras and clothing. The value of cover for general personal possessions may include some of the high risk items you have specified plus a sum for non-specified items such as clothing.

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