The policy is designed to cover movable accessories or personal effects that can be worn or carried by a person. These include handbag, wallet, sunglasses, jewellery, portable electronic devices (laptop, cellphone, camera), clothes and similar against accidental loss or damage, theft and/or fire whilst in or away from your home.

If unspecified property insured is accidentally lost or damaged we will pay for or may choose to repair or replace it.  The amount payable will be the current replacement cost. However If specified property insured is accidentally lost or damaged we will pay for or may choose to repair or replace it.