Valuables are technically part of your contents, but they are treated separately for insurance purposes.
This means that your general contents sum insured does not include valuables such as jewellery, watches, fine art, antiques, or collectibles.
You must declare the value of your valuables separately to ensure they are fully covered under their own sections of your policy. This ensures that in the event of a claim, these items are properly protected and covered up to the sums insured you have declared.