No - you don't need to list items individually on your policy in order to be covered. However, you might need to tell us the total combined value for things like jewellery, cameras, bicycles, works of art or business tools. This will help us determine whether you need to increase any adjustable event limits on your policy.
Limits which have been adjusted will be shown on your policy schedule. If you haven't increased the adjustable event limits on your policy, the maximum amount you can be paid in the event of a claim will be determined by the policy limits outlined in your policy document. You can find the full details under the section 'What you are covered for', under 'We limit cover for some contents'.
Regardless of if you need to adjust event limits on your policy, it's important that you ensure your sum insured is sufficient to cover all of your belongings, including any expensive items you own. If you're not sure whether certain items need to be listed or if your policy needs to be adjusted, please get in touch and our team will be happy to help.