Part of the household contents definition generally specified as ‘valuables and personal items’ belonging to the insured or his family. Personal items are items worn, used or carried about the person in everyday life. Personal belongings exclude, inter alia: money and credit cards; mechanically propelled vehicles; bicycles, caravans, bicycles, etc; fragile items; business and trade goods. Money, pedal cycles and specified articles can be insured under separate sections.