The policy schedule personalises the contract: people or property insured, dates, selected cover, limits, excesses and special amendments. The policy wording defines the promises and conditions behind those entries.

Neither works alone. “Contents: £30,000” does not tell you whether a dropped laptop is covered away from home. Find the relevant section, definitions and exclusions, then read any endorsement: an amendment that changes the standard terms. Keep the documents for the policy period involved.