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UK Car Insurance: Most Policies Fail to Cover Valuables

2/19/2026

27 3 Full Breakdown

Summary

Story summary

Which? (the UK consumer group) found that car insurance policies often inadequately cover personal belongings left in vehicles.
High-value items such as laptops and mobile phones are frequently excluded.
93% of policies do not cover credit cards.
Common claim limits are typically £300 or less, and drivers should assess needs based on vehicle value and usage.
Experts advise reviewing policy details and considering home insurance for extra coverage.

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Story summary

Which? (the UK consumer group) found that car insurance policies often inadequately cover personal belongings left in vehicles.
High-value items such as laptops and mobile phones are frequently excluded.
93% of policies do not cover credit cards.
Common claim limits are typically £300 or less, and drivers should assess needs based on vehicle value and usage.
Experts advise reviewing policy details and considering home insurance for extra coverage.