If you have our Contents Insurance Policy, we'll cover your contents if they unexpectedly go missing, as long as when you've invited a guest into your home you have taken reasonable precautions to ensure your contents are safe. You aren't covered for any acts by your guest that are intentional, reckless or have criminal intent, other than theft.
You can find the full details of your cover for in your policy document, under the section 'What you are not covered for', under 'Intentional damage'.
Limited Contents Insurance
If you have our Limited Contents Insurance Policy, you won't be covered in the above scenario as the cover is limited to burglary, fire, storm, flood and natural disaster only.