All Risks is an optional extra which protects you against loss/theft of, or accidental damage to, personal valuables. These could include jewellery, clothing, photographic, or sports equipment to name a few. This cover is for both inside and outside your home. It also covers you for items you take abroad for up to 60 days.
There are two types of All Risks cover:
Specified All Risks Cover
This allows you to list individual items on your policy and specify their individual value. Specified items might include jewellery, hearing aids, bicycles, cameras, and other valuables. Each item is covered up to the amount you insure it for.
Allianz will reimburse you for loss or damage to any item specified in the schedule up to a maximum of the sum insured specified for the item.
Unspecified All Risks Cover
This is an umbrella style cover which allows you to select a total amount that your personal effects will be covered for each year. There is no need to list each item individually. This cover is designed for valuable personal items such as glasses, jewellery, mobile phones, handbags etc.
Certain limits apply to Unspecified All Risks cover including:
- Up to €2,000 for any one item per claim
- Up to €2,000 for any one item per claimBicycles up to €320
- Up to €2,000 for any one item per claimCash up to €650