How many days is the cover for time spent outside the UK typically limited to in a personal possessions extension?

In a personal possessions extension of household insurance, the coverage for items taken outside the UK is typically limited to a specific duration, which is often set at 60 days. This limitation is established primarily to manage risk and ensure that the insurer can effectively underwrite the policy while maintaining proper control over the coverage provided.

The 60-day limit reflects a common practice among insurers, balancing the needs of policyholders who wish to travel while safeguarding against potential losses that could arise from extended international travel, such as theft or damage to personal belongings. By offering coverage for a defined period, insurers can maintain a level of predictability and manage claims more efficiently.

Understanding this limit is essential for policyholders to ensure they are aware of the extent of coverage they have when traveling internationally and can plan accordingly, especially if they intend to travel for longer durations outside the UK.