Handbag insurance

It’s hard enough dealing with the inconvenience of a lost or stolen handbag, but with Advantage Private handbag insurance, at least you won’t be out of pocket.

Prefer gadget insurance?

You can choose either handbag insurance or gadget insurance – but not both. Gadget insurance covers many different devices.

More on gadget insurance

Yes. Log in to register for handbag insurance or call 0845 87 77 111. Minicom users should call 0870 154 1196.

Please have the following to hand: your Advantage Private account number and sort code; make and type of bag if worth more than £50; make, model and serial number of the gadget you want to cover.

Your cover starts 7 days from the day that you register.

You can only claim for one handheld electronic device, up to £300 in value, and you’ll need to register this. If your bag is worth less than £50 it will be automatically covered, so you don’t need to register it.

Call 0845 877 711. Minicom 0870 154 1196. Or log in to make a claim online.

Please have your Advantage Private account number to hand.

Calls may be recorded. Maximum call charge from a BT landline is 4p (0845) or 8p (0870) per minute. Calls from other networks may vary.

Your handbag and its contents are covered against theft or malicious damage, and accidental damage. The way you claim depends on why you are claiming.

1. Notify the police within 24 hours of discovery to obtain an incident number.
2. Contact Homecare Insurance Limited, the people we work with to provide your handbag insurance, within 48 hours of discovery to register your claim and obtain a claim form. Log in to make a claim or call 0845 87 77 111.
3. Complete and return the claim form, together with your excess payment, within 30 days.

1. Contact Homecare Insurance Limited, the people we work with to provide your handbag insurance, within 48 hours to register your claim and obtain a claim form. Log in to make a claim or call 0845 87 77 111.
2. Complete and return the claim form, together with your excess payment, within 30 days.

What happens next?

We’ll assess your claim and let you know the outcome. This usually takes five working days from the date we receive your claim form.

For further information, please read your policy document.

Here are some of the most common questions about Advantage Private handbag insurance. For further information, please see the policy document.

• How do I register for handbag insurance?
• Do I have to pay an excess?
• Who is Homecare Insurance Limited?
• How long will my claim take to process?
• How many claims can I make against the policy?
• How do I get my replacement handbag and gadget?
• Can you send my replacement items to a work address?
• Will the replacement items I receive be identical?
• What is a suitable proof of purchase?

Log in to register for handbag insurance or call 0845 87 77 111. Minicom users should call 0870 154 1196. Please have your Advantage Private account number and details of any handheld electronic devices to hand.

Your cover starts 7 days from the day that you register.

Calls will be charged at a maximum of 4p a minute from a BT line. Calls from non-BT phone lines may vary. Calls may be recorded.

Yes, as with many insurance policies, you will have to pay an excess if your claim is accepted - £25 for the first successful claim, £50 for the second successful claim in any 12 month period.

Homecare Insurance Limited is the provider of your Gadget Insurance policy.

Registered in England No. 2793290. A member of the CPP Group of companies and trading under the CPP trademark.

If you’re claiming for a stolen item, we’ll normally let you know within 48 hours if your claim has been approved. Claims for accidental damage may take a little longer and the item will be repaired if possible.

To avoid unnecessary delays, please make sure you complete the claim form fully and send the required excess, plus any supporting documents.

You can make a maximum of two successful claims in any 12 month period.

We’ll send a replacement gadget to the delivery address you give us on your claim form. And we’ll give you the cash to buy a new handbag.

Yes. When you make your claim, enter a work address in the alternative delivery address section on the claim form.

In a small number of cases, an identical item may not be available. If so, we’ll send a replacement of equal or greater specification.

You’ll need a receipt or a despatch note for your handbag, gadget, or any other item. If you’re claiming cash, you’ll need the ATM receipt.

Keep a record of your handheld electronic devices’ serial numbers

It’s a good idea to make a note of the serial numbers for any handheld electronic devices you carry in your bag. This means they can be identified and returned to you should they be found.

Don’t invite risk to your bag

Keep your bag with you at all times when you’re out. Don’t leave it unattended, for example, on a café table or bar top. Be aware of your surroundings and never invite risk to either yourself or your belongings.

Mark your bag and its contents

Write your house number and postcode on your handbag and any valuable contents, and the police can return them to you if they are recovered after a loss or theft.

However, if any lost or stolen equipment is recovered after a claim is approved, it becomes the property of the insurer and you will need to return it to Homecare Insurance Limited immediately.

For full details of your handbag insurance policy, download the Advantage Private Insurance Policy Documents (PDF 1.08MB).

You might like to print a copy of your policy and take it with you.

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