The terms (and cost) of your policy depend on a variety of factors, but mainly what you want to insure, and the value of those items!

As an example, the average cost of a policy that covers your £700 smartphone and £400 bike is £8.99, but subscriptions can start from as little as £1.99 per month. And if you need to cancel, you can at any time, with no hidden fees.

Pretty much any of your possessions actually worth protecting! Common examples below.

Phones
Tablets
Gadgets, including household gadgets
Laptops
Bikes
Eyewear
Jewellery
Handbags
Shoes
Sports equipment
Musical instruments

As a general rule we don’t insure items worth less than £100 or more than £1,500.

We have streamlined our process as much as possible. We don’t ask you what locks are on
your doors or your windows. With us simplicity is key.

Step 1 – Tell us the items you want to protect, and confirm details

Step 2 – Tell us about yourself

Step 3 – Pick your preferred charity
Peace of mind, piece of cake.

We have designed our Possession-based insurance, and the company, to stand out from the crowd:

1. Only insure the stuff you actually care about. Do you really need a contents policy giving you a blanket coverage of £20,000 pounds for everything in your house? Or do you really just want to insure your phone, telly and bike?

2. Your stuff is also covered out of the home and abroad. Many people don’t realise that with standard contents policies your stuff is often not covered outside of the home. You’re in luck though – with us, it is!

3. Your policy is a monthly subscription. Others might let you pay on a monthly basis, but usually they’re still annual policies and you’ll have to pay for the whole year, or pay a penalty to cancel. You won’t get that with us.

4. Ethics and sustainability are at the heart of everything we do. For example, 25% of our cut of every policy goes to a charity of your choosing (from a panel of four). What’s not to love?

Insurance is a promise.

In exchange for your monthly subscription (premium), after a loss/event we promise to get
things back to the way they were. For example, if you lose your phone, we want to get you a
replacement as quickly as possible.

Loss could mean theft, damage, or actual loss.
Most insurance policies last for 12 months, but with us it’s a monthly rolling contract, like
your Netflix or Amazon Prime subscriptions.
With us it’s straightforward; if you need to speak with us simply get in touch on our livechat.

And if you need to make a claim, click the Claims button at the top of the page. You’ll be
redirected to our claims team who will help get everything sorted.

Simple. Head over to Claims, where our expert claims team will help get everything sorted. Alternatively, please call 0333 400 9048 (local rate call) and a member of the claims team will assist you

Please be aware you’ll require proof of purchase or ownership to claim. This could be a reciept, bank statement, email confirmation, etc.

Our cover protects your specified items from accidental damage, theft and loss (excl bikes, household based gadgets and laptops) as standard , but please be sure to read our two page Insurance Product Information Document for all the details , available  here

This is dependant on the price of your item and which excess you choose. Our excesses are £35, £75, £125, and £175

We do our best to get claims resolved as quickly as possible. Ususally we can resolve a claim within 48 hours, however this may depend on what type of claim is being made.

Absolutely! We may not fit the typical old insurance look, but we have all the same protections and accountability measures in place. As an insurance intermediary we are held to account by the Financial Conduct Authority and can be found on their online searchable register. We are supported by “A” rated insurers, which means we have the highest quality insurance partner backing.
More importantly, we actively ask for reviews from our existing customer base which will give you the clearest picture of how we treat our subscribers and how their subscriptions are working for them!

Yes! The warranty doesn’t cover theft, loss, or accidental damage, but we do.

Absolutely! With our cover your items are protected abroad for up to 60 days a year.

Simply get in touch with our claims team! Call: 0333 400 9048 The claims helpline is open between: Monday – Friday 08:30 – 18:30 Saturday – 08:30 – 13:00 Sunday and bank holidays – closed

Yes, all items are covered against liquid damage with our subscription.

We will always try to replace your item with a like for like item as quickly as possible.

Yes the value of the item is fully covered. Make sure to enter the item value at point of purchase, not the discounted price.

Your subscription begins from the day you make your first payment, but like most insurers we have a 14 day cooling off period in which we can’t accept any claims. You are able to cancel during this period for any reason with a full refund.

You can! As long as the earphones are less than 2 years old since purchase, and you’ll still need to provide a reciept should you make a claim – so ask the gifter to keep this safe.

To get in touch with our claims team, call: 0333 400 9048 The claims helpline is open between: Monday – Friday 08:30 – 18:30 Saturday – 08:30 – 13:00 Sunday and bank holidays – closed

This is dependant on the price of your earphones and what you choose, our excesses are £35, £75, £125, and £175.