UK insurance

[Apuk]

Hi all,

I am expecting to be allocated my first AP soon and would like to figure out insurance options beforehand.

Do any members have experience with contents-only insurance in the UK? (London if it matters).

I have made some dummy quotes with Barclays and some comparison websites, but I am unsure about the reliability of those paying out without any issues in case of a claim.

To be clear I rent a flat and my main concern would be insuring the watch (£20k or more given current valuation levels) and in the future perhaps jewelry / engagement ring.

Apologies for somewhat basic questions but I would also like to understand (as far as the forum can advise)
- what happens when I get robbed on the street/outside the house
- what happens when the watch is stolen when outside the country on holidays?
- what happens if the watch is stolen while in a locker in the gym (does the specific type of lock or locker matter,...)
- what happens if the watch is stolen from my flat, while I am away (eg I travel but leave the watch at home - not locked in a safe just in a drawer).

Many thanks in advance,
Apuk