At the moment, it doesn’t get included in the calculation, showing £0.00 instead of £8.47 for example even though the payment is coming out in the next couple days.
I don’t have Contents Insurance to be able to confirm this, but that Left-to-pay cycle ends on 23 February and so if the Contents Insurance is not taken by 23 February, it should be excluded until after then.
What does it say today? If it is included, then all is working. If still excluded, then it’s a bug/UI/Monzoism issue.
Contents insurance should appear in the “Left to pay” pot once it’s due in the current cycle. If it still shows £0.00 even when the payment is upcoming, it’s likely a UI bug or Monzo issue.