Unspecified property Clothing and personal effects that are either worn or carried with you, or which often leave your home. These tend to be low-value items such as pens, make-up, and handbags. Unspecified property also includes sports equipment (except bicycles) and groceries

Specified property Any item of property – These tend to be of high value, and typically includes jewellery, watches and personal computers

Collectables mean any item that is regarded as being of value or interest to a collector, for example firearms, stamps, coins, and medal collections

Computer Your computer, laptop, or tablet, as well as any associated accessories for example a monitor, keyboard, mouse, carrying case or printer. It includes any software supplied by the manufacturer as part of the computer, and any programs or software for which you have a legal licence, provided your sum insured is sufficient

What is your responsibility?

Keep jewellery and watches in a safe

You must keep all jewellery and watches valued at more than the amount stated in the Schedule in a securely locked wall- or floor-mounted safe when not in use.

Keep pedal cycles secured and locked when left unattended

You must comply with the following conditions for your insured pedal-cycles:

○ when left unattended from a vehicle:

– the vehicle must be locked, and

– there must be clear signs of forced entry

○ when left unattended the pedal-cycle or any parts must be:

– locked away in a building; or

– securely locked to an immovable object, vehicle or trailer by a lock and cable, or chain; or

– locked inside a vehicle or trailer, and there are clear signs of forced entry

○ during an event, the pedal-cycle must be left in a designated secure area provided by an official organiser such as a club or accredited cycling body

○ while the pedal-cycle, wheels or parts are in transit:

– these must be attached to a vehicle or trailer with a lock and cable, or chain; or

– these must be locked inside a vehicle or trailer; or

– you must have the pedal-cycle carrier securely bolted or locked to the vehicle or trailer

– you must ensure that the frame and wheels of the pedal-cycle are secured to the pedal-cycle carrier with a lock, cable or chain

– there are clear signs of forced entry.

If these conditions are not complied with, loss or damage to the pedal-cycle or any of its parts caused by theft will be limited up to the amount stated in the Schedule.

Provide us with valuation certificates

You must provide us with a valuation certificate from a registered jeweller or valuator for all items of jewellery, watches, and collectables when we ask for it.