… a burglar steals one of your artworks.
… you lose your expensive camera while travelling.
… your luxury watch is stolen while you are holidaying.
… your valuable painting is damaged.
… your jewellery is stolen after being left in an unlocked vehicle.
… the damage to the item is due to normal wear and tear.
… if your valuable grand piano is damaged by a removal firm during transport. In such cases, the removal firm is liable.