Personal All Risks Insurance

Unlike the above this section covers items normally worn or carried on the person and is on an all risk basis with premium being charged per individual item. As the cover is all risks it is not limited in terms of territory of application but rather applies world-wide. Cover is applicable to such items as mobile telephones, jewellery and precious items, laptops and other small pieces of electronic equipment, spectacles and sunglasses. It is a condition of the personal all risk section that it be issued together with the house or the contents.