What contents are covered for market value?
Our comprehensive personal contents protection under our Own Home policy is generally based on new-for-old cover. There are however a few items that are covered for their current value, where your payout will be based on the item’s present (or market) value. These are listed below, please note that other criteria/limits apply – refer to your policy wording for full information.
| Market Value Replacement Items: |
| Books |
| Clothing & Footwear |
| Media, Software, Programs and Digital Data |
| Camping and Sports Equipment |
| Boating Accessories (not whilst attached to the boat, other limits also apply) |
| Remote Airplanes, and Accessories |
| Household Linen |
| Computers, Laptops over 5 years old |
| Camping Equipment |
| Watercraft, Watersport Equipment, and Accessories |
| Remotely Piloted Aircraft, over 2 years old, and Parts and Accessories |
| Sports Equipment, not including Golf Equipment |
| Bicycle, E-Bikes |
The items listed above are contents that will be replaced for its present value.
Don’t worry, all your other belongings that aren’t listed above will be covered on a new-for-old basis.
Can I specify any of the above items so that they are covered for more than their market (present) value? No, we are unable to alter your cover outside of these terms.
For more information: