HANDBAG INSURANCE
Homeprotect does not provide standalone handbag insurance. Rather handbags can typically be covered under home contents insurance – both inside and away from the home. Read more about our contents insurance.
insuring your handbag as part of your contents insurance
Your handbag isn’t just an accessory, it’s a valuable item that you take everywhere. Think of what you carry in your handbag; your keys and purse, including cash, perfume, make-up, sunglasses, your mobile phone and tablet. Now think of what it would cost to replace all of those items if your bag or stolen.
Including your handbag as part of your home insurance is a no-brainer when you add up the value of the items you carry every day, especially if you use a designer handbag which is also of high value.
Handbags aren’t covered away from the home as standard, but with Homeprotect you can choose additional cover for these personal possessions outside the home. This will give you the peace of mind that the devices and objects you use daily are protected against damage or theft wherever you are.
Our policy includes a single item limit of £1,500. If you are carrying valuables that equals or exceeds this amount then you must specify them individually in your policy. Note that to cover your electronic gadgets such as tablets and mobile phones outside your home you also need to specify these on your policy.
find out more about our cover
For complete peace of mind all year round, include the items you carry with you when travelling on your policy. We can cover you for most of these items whilst you’re abroad. See what’s covered in the policy booklet.
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What’s covered by contents insurance?
Having contents insurance means you won’t be out of pocket if you need to repair or replace your belongings after they’ve been stolen, damaged or destroyed.
What we offer
Quick fix for uncontrollable leaks
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
Legal advice
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Lost items.
Items stolen from unoccupied vehicles.
Damage caused by pets.
The cost of repairing or replacing items following a mechanical or electrical fault.
Contents Insurance Cover Levels
Our contents insurance is designed to protect your belongings against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Contents cover
Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis.
from £25,000
Alternative accommodation
Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss.
up to £10,000
Home emergency
Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Liability cover
Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party.
up to £5 million
Personal possessions
Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world.
Optional
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home.
Optional
Accidental damage
Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available.
Optional
Your Questions Answered
Yes, we offer cover for general personal possessions anywhere in the world. This cover is for theft of and physical damage to items individually worth less than £1,500, that are likely to be worn, carried or used by you away from the home, such as bags, clothes and sports equipment. Electronic gadgets (e.g. Mobile phones, tablets, headphones, laptops), bikes, high risk items and items worth £1,500 or more will need to be specified on your policy.
We are currently unable to offer personal possessions cover as a standalone product – this can only be purchased as an additional extra option with contents insurance.
Yes! If you need to claim, it will be useful if you have a receipt, bank or credit card statement that shows its purchase price.
For handbag insurance purposes, a handbag is a single bag in which you carry your valuables, such as your purse or wallet and keys, including rucksack-style bags and manbags.
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