Have you ever thought about what you carry around with you every day? It might surprise you to realise how valuable the items in your handbag actually are! Any given handbag might have a smartphone or two, a digital camera, a make-up bag, a perfume bottle and a few pieces of jewellery, which could cost thousands of rands to replace.
People tend to prioritise insurance cover for the big things; the house and the car, and forget to factor in cover for smaller but equally vulnerable items. What you probably don’t know is that insurance for these items isn’t going to cost an arm and a leg, and is simple to add to your existing insurance policy without breaking the bank.
Here are 6 common handbag items people forget to insure but sincerely miss when they’re suddenly gone.
Smartphone – Your smartphone is your communication portal to the world, making it the most inconvenient item to be without and is possibly the most costly to replace. Smartphones are continually upgraded with new technology and functionalities which only increases the expense should you have to replace them.
Digital camera – With entry level digital cameras priced in the thousands, if this item is gone, you won’t only have a hole where your memories used to be, you’ll be left with an empty pocket too.
Make-up bag – This little item could surprise you the most by how valuable it becomes when its contents are added together. Foundation, eyeliners, mascara, brushes and lipsticks can cost a pretty penny when they’re taken away all at once.
Perfume – A bottle of perfume could range in the thousands of rands depending on fragrance and quantity. They’re often given as gifts and become a completely unplanned expense should they need to be replaced.
Keys – Your keys may appear to be more of an inconvenience to lose than an expense, but the replacement value could shock you. Sophisticated remote controls and personalised access chips will add a couple hundred bucks to the overall loss when your handbag is stolen.
Jewellery – Accessories are possibly the most overlooked items when it comes to insurance, but are items with a big financial impact if they’re missing or stolen. With constant mixing and matching, jewellery is frequently forgotten in your handbag, increasing its value without you even realising.
With the number of smash and grab incidents in South Africa on the rise, the chances of having your handbag stolen that way increase, and being without insurance cover for your valuables leaves you just as vulnerable as the windows that are broken through. OUT and About cover allows you to insure the small personal possessions you take out of your house, so that no matter where you are, the things you keep closest to you are covered.
You’ll no longer have to be stuck with the inconvenience of being without them, or with the unexpected amount you’d need to fork out to have them replaced. You can even choose to specify exact items according to their value, or get unspecified cover which insures your handbag’s contents up to an amount you choose.
So, what’s in your bag? Tweet us @OUTsurance
Click here for more on how to prevent a smash and grab as well as the benefits of smash and grab window tinting.