If you have our Contents Insurance Policy, we will cover your contents if they unexpectedly go missing, as long as you have taken reasonable precautions in inviting a guest into your home.

You will not be covered for any acts by your guest that are intentional, reckless or have criminal intent, other than theft.

If you have our Limited Contents Insurance Policy, you will not be covered in the above scenario as the cover is limited to burglary, fire, storm, flood and natural disaster only.

If, however, you have chosen the optional benefit of 'Mobile Phone Cover' or 'Laptop and Tablet Cover', cover for these items is increased to cover theft, accidental loss and accidental damage for these items.