What is single item insurance?
It’s cover for those specific things you really rely on, like your phone, laptop, camera, bicycle or guitar. It protects against theft, accidental damage, and loss, whether you're at home or on the move.
What types of items can I insure?
You can cover most high-value portable items you carry or use regularly — phones, laptops, tablets, cameras, smartwatches, musical instruments, bicycles, and more. If it’s valuable and portable, chances are we can cover it.
Is there a limit to the number of items I can insure?
Nope, you can insure as many items as you like. But if you’ve got more than five smaller items, it may be more affordable to take out home contents insurance instead.
Can I insure something that I use for both personal and professional purposes?
Yes. We know life isn’t neatly split between personal and professional. Whether you use your gear for freelancing, studying or just weekend projects, it’s covered under single item insurance.
How do I determine the insured value of my item?
Set the value based on what it would cost to replace the item today. For high-value or one-of-a-kind items, it’s worth getting a professional valuation.
What documentation do I need to provide when insuring an item?
Typically, you'll need proof of ownership such as a purchase receipt or invoice, and in some cases, a valuation certificate for high-value items.
Can I cancel my single item insurance policy?
Absolutely. If you need to part ways with your policy, you can do so anytime through our app. There are no cancellation fees, and the process only takes a few taps.
Are my items covered when I travel?
Yes. Your covered items are protected worldwide for trips up to six months. Whether you’re road-tripping or flying abroad, you’re good to go.
How quickly can I get coverage after applying?
Instant gratification at its finest. You can choose to start your policy right away or set a future start date. Add your card details and you’re covered in minutes.
What am I covered for?
You’re covered for theft, loss and accidental damage — as long as it’s not due to negligence (like skydiving with your phone in your pocket). If you’re not sure, you can check what’s covered in the app or policy wording.
What does 'one flat excess' mean?
It means no matter what you claim for, you’ll pay just one fixed excess amount. It keeps things simple and predictable.
Does Naked have any additional excesses?
No. The excess you choose is exactly what you’ll pay — no unexpected extras.