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  • A lot of policies have them defined as "valuable items" or similar (basically small, expensive stuff it seems).

    My insurance has a total of £20k of valuable items with an individual limit of £3k and it didn't cost much extra. Ten or twenty quid maybe.

    Items under £3k don't need to be individually listed.

  • Actually it looks like this is a standard part of the John Lewis policy.

    You need receipts or valuations (which I'm pretty sure I have but need to check). Not entirely sure how that works with something that's potentially appreciated, guess I'd need a valuation in that case.

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