Spotlight On: Boutique handbag insurance

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The Independent Online

The deal

Insurance4everyone.co.uk is offering up to £2,500 worth of cover for handbags and contents, including 60 days' worldwide protection. There are also options to insure money, credit cards and mobile phones.

The good points

Having to claim after being a victim of a handbag thief can be a real pain as you may need to prove the value of the bag and contents. This policy offers cover for any bag carried. Also, as a stand-alone policy, claiming won't mean losing no-claims discounts on home cover.

The bad points

It's not cheap. Premiums start at £5.05 for just £800-worth of cover. £2,500-worth of cover costs from £19.99 a month.

Conclusion

This is clearly aimed at the many people who carry expensive gadgets around. But do you need to pay out for extra cover? Many household policies include cover for contents outside the home so check with your existing insurer to see if you're already covered. If not, ask how much they'd charge to add it to your policy. It may be cheaper.

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