If you lose something while you’re out and about, you won’t be covered unless you have our Theft & Loss Cover add-on. And if something completely disappears from inside our home, and there’s no sign of a break-in, you still wouldn’t be covered without the add-on. We recommend you register any item you’ve lost on Report My Loss. Once you’ve completed the form there, you’ll receive a lost property reference number that you will need to share with us when you make a claim.