Personal insurance
Your valuables, wherever you go.
That feeling when your phone isn't in your pocket? Let's talk about that.
- Is my phone actually covered?
- What if I simply lose it?
- My laptop travels more than I do
Most insurance works perfectly right up until your phone falls into a swimming pool, your laptop disappears at the airport or your sunglasses decide to stay behind at a restaurant. That's where all-risk insurance comes in.
Household contents insurance protects your belongings at home. All-risk insurance protects the things that leave home with you. Phones, laptops, jewellery, watches and the valuables you'd really rather not buy twice.
What All Risk & Possessions covers
Is my phone actually covered?
Usually at home, yes. At the coffee shop, school sports field or airport? That's where all-risk cover earns its keep.
What if I simply lose it?
Not every claim starts with a criminal mastermind. Sometimes things just disappear.
My laptop travels more than I do
Whether it's work, study or both, some valuables spend more time out of the house than in it.
Will it cover me overseas?
Because phones, watches and laptops have an unfortunate habit of getting lost internationally too.
Does my jewellery need special cover?
If you'd cry more over losing it than replacing your kettle, it's probably worth listing properly.
Could you replace it tomorrow?
If replacing it would mean dipping into savings, a credit card or a small panic attack, insurance starts making sense.
Who all risk & possessions is for
- People who've ever patted their pocket and panicked
- Anyone carrying a phone worth more than their first car
- Anyone who'd hate buying the same thing twice
- People who work, study or travel with expensive tech
All Risk & Possessions FAQs
Isn't my phone already covered by household contents insurance?
Usually yes. Until it leaves the house. That's why so many people discover the difference between contents insurance and all-risk insurance at exactly the wrong time.
What is the weirdest thing people claim for?
If it can be dropped, lost, forgotten or left behind, chances are someone has claimed for it. The good news is you're probably not the first person to make that mistake.
What's the difference between specified and unspecified cover?
Specified cover is for higher-value items listed individually. Unspecified cover is designed for everyday valuables up to a certain limit. Think engagement ring versus sunglasses.
Do I need all-risk insurance?
If losing your phone, laptop, watch or jewellery tomorrow would ruin your week, it's worth considering. If replacing everything would barely dent your budget, you probably need it less than most people.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related personal cover
Not sure if you're paying too much?
Send us your details. We'll do the comparing.
Send us your details and one of our brokers will review your current insurance, compare your options and get back to you. No bots. No call centres. No obligation.
- Call us0861 112 466
- Email us[email protected]
- Office hoursMon–Fri, 08:00–16:30