Gadget-lovers are being warned that their household insurance may not fully cover items such as iPods and digital cameras when they are out of their homes.

A Hiscox spokesman said that someone walking around with an iPod, an iPAQ hand-held computer, an Opti S4 camera and a Sony Ericsson mobile phone could have £1,450 worth of uninsured kit.

He said: "The vast majority of household policies won't offer extensive cover for any items taken out of the home. Many people will have to bear most of the cost of breakage or loss themselves."

The 2025 Insurance Times Awards took place on the evening of Wednesday 3rd December in the iconic Great Room of London’s Grosvenor House.

Hosted by comedian and actor Tom Allen, 34 Gold, 23 Silver and 22 Bronze awards were handed out across an amazing 34 categories recognising brilliance and innovation right across the breadth of UK general insurance.
Many congratulations to all the worthy winners and as always, huge thanks to our sponsors for their support and our judges for their expertise.