BEHIND THE NUMBERS
How this calculation works
Worked example
£900 + £1,800 + 3 × £100 = £3,000. The total is £500 above £2,500 cover, and the £1,800 laptop exceeds the entered £1,500 item limit.
Example result: £3,000.00
Walk through every room
Include wardrobes, kitchen equipment and items stored in a loft, shed or garage. Retain receipts or photographs separately; this calculator does not store evidence for a claim.
Check valuable items separately
A group of inexpensive belongings may exceed a category total without exceeding a single-item limit. Conversely, one laptop can require attention even when your overall cover is large enough.
Assumptions and rounding
- Replacement prices are entered by the user, rather than estimated from bedroom count.
- Amounts are rounded to pennies per inventory row.
Questions about this calculator
Should I use second-hand sale values?
For a replacement-cost inventory, use the cost to replace the item. Check whether your policy actually provides new-for-old cover.
Does an item above the limit mean it is uninsured?
Not necessarily. It means the policy wording and any specified-item cover need checking.