House Insurance

sallytrafic · Southern Rally Co-ordinator

I've been reading the thread about Full timing in UK but its just talking about insurance now so I thought I would start an Insurance one.

My household contents insurance has recently changed hands and the new owners have sent me out a revised terms and condition. Under the old policy conditions items 'contents' temporarily removed from the house were still covered. Now the terms have been 'clarified' so that temporarily removed means moved into another private house or hall of residence or similar. Amongst the specific exemptions 'loss or damage from a caravan, boat,mobile home or motor home. Even the personal items clause has the exceptions 'theft from an unattended vehicle other than from a locked and concealed boot, concealed luggage compartment or closed glove compartment' etc and they have still set a cap of £1500.

So now I'm looking to up the cover in my Motor Caravan for items that might be temporarily there.

I used to think lawyers were the lowest forms of life then I wondered about insurers but I have met a lawyer who specialises in insurance Shocked

so I guess she is the lowest type of pond life.

Regards Frank

Geo

Hi I am in the process of buying my first Motor home and as aresult of being new to this have looked into all aspects of cover for these vehicles, and would sugest that your new insurance company have done you a favor, as it was most likley that your old one had the same policy regarding personal property but failed to inform you ,however upon recieving your claim they would then have let you know, the best advise I have recieved is to insure with Motor home specialist who know and understand our needs
I feel the majortity of owners will fall into the trap of thinking that home policies will cover personal property goods

Pusser · Last edited by Pusser on Sun Mar 05, 2006 10:05 pm; edited 4 times in total

I also think the cap you mentioned may be a total of several lost items and you may have a max on a single item which could be lower than the price you mention.

( I explained that well didn't I Rolling Eyes

)

I also noticed when we thought we may change to another company that since a new estate has been built about 3/4 of a mile away on a flood plain that the whole area is now deemed at risk of flooding. This is somewhat ironic because for our house to flood would mean half of Buckinghshire would be under water. When we queried it we were told it is our postcode that is the problem. I should have known that. Sad

An insurance broker could save you a lot of time and hassle. When I got done for speeding my insurance I think ended up £60 cheaper than before.

windseeker

Try NIG insurance. They give me a £5k "new for old policy" for only 20% more than my old (Cornhill) £1k policy.

Bagshanty

It is only when you make a claim do find out how good your insurance company really is. After 20 years without invoking insurance, since Aug 2005 we've had claims with Lloyds-TSB, Direct Line, Norwich Union, and (on behalf of my son) Admiral. Of those, the only one that has been any good is Direct Line.

Foolishly, we were with Lloyds-TSB for our contents insurance (and buildings). We were flooded out in Bulgaria last year, and they have been worse than useless. The incident was last August, but in all this time all they could say was "we don't cover floods", and that only in one brief phone conversation. Yesterday, for the 1st time, they had the courtesy to write to us (still telling us to get stuffed), and that was only because I had complained to the insurance ombudsman.

An insurance company that doesn't cover flood is as much use as a chocolate fireguard, and I have been distinctly unimpressed with their attitude.

Direct Line, on the other hand, have been excellent. Although we had to wait 3 months for the vehicle (A/S Talisman) to be repatriated, they moved very quickly to inspect it, declare it a write-off, discuss a very fair price, and paid out promptly. Direct Line now has my contents and buildings insurance, as well as 3 vehicles. I found Direct Line a delight to deal with.

When all the dust has settled, including my son's battle with Admiral Insurance, I will document the saga on the site.

Pusser