5 things you never knew you needed insurance for
From an engagement ring to your identity, it’s wise not to assume that you’re already covered for the things you treasure the most.
No two home insurance policies are the same, so it’s important not to get caught out. Many people find out the hard way that the cover they thought they had was inadequate.
Here are five things you might want to make sure you have cover for:
1. Digital downloads
Think about how much data you’ve got stored on your computers, tablets and smartphones. While the devices themselves may be covered against theft or damage on your home insurance policy, what about all the downloaded music and films that are on them?
It’s always sensible to back up your files, but Bronze, Silver or Gold policies from John Lewis Home Insurance cover the cost of replacing non-recoverable music, film or electronic data downloads.
2. Identity theft
Identity fraud is a major issue in the UK, and many people are leaving themselves at risk by revealing too much information online.
If you're ever a victim of this crime, identity theft insurance can go some way to helping you get back on your feet. We’ll cover the cost of reinstating your identity, including legal fees, phone calls and loss of earnings for time taken off.
If you have expensive bikes that you use to commute to work or enjoy family rides in the countryside, it’s a good idea to protect them financially.
Not all home contents policies insure bicycles against theft as standard, and some will only insure them while they’re at your property.
4. Boiler breakdown
Trying to find a plumber to come out to fix your boiler if you’re without heating and hot water can be a nightmare – especially in the depths of winter when you don’t want to be sat there shivering.
Having home emergency cover can help you fix plumbing issues with as little stress and disruption as possible. Look for an insurer offering a 24-hour helpline, and one who covers the cost of callout charges and a temporary repair to rectify the emergency problem.
5. Engagement ring
In the excitement of planning a wedding, the thought of insurance may be far from your mind. But you can’t assume rings will be fully protected by your home contents insurance.
Contents Insurance policies usually have a limit on the level of cover for valuable single items such as jewellery. Many insurers will only protect single items up to a maximum value of £2,000, but with John Lewis Home Insurance, the lowest single item limit is set at £3,000. If your ring is more valuable than your single item limit, let us know as we may be able to add it to your policy as a specified item.
John Lewis Finance, John Lewis Home Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative of Munich Re Digital Partners Limited, a company authorised and regulated by the Financial Conduct Authority to carry on insurance distribution activities.
John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative (Financial Conduct Authority no. 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration no. 202277). John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered Office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales (registration no. 613259).