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Home insurance while kids are in charge
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# 1
Johnny Hamster
Old 27-02-2012, 1:13 PM
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Default Home insurance while kids are in charge

Just thinking ahead here, does typical home insurance policy provide cover if we (Mum & Dad) decide to go on holiday / short break and leave teenage son behind when he's aged...

a. Sixteen
b. Seventeen
c. Eighteen

Thanks
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# 2
vaio
Old 27-02-2012, 1:15 PM
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your policy will give the answer but my gut feel is yes in all cases
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# 3
thenudeone
Old 27-02-2012, 7:37 PM
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Yes
Yes
Yes

Why wouldn't it?
We need the earth for food, water, and shelter.
The earth needs us for nothing.
The earth does not belong to us.
We belong to the Earth.
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# 4
hugoshavez
Old 27-02-2012, 8:57 PM
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Yes, but on the same terms as it will cover you, ie. The insurers would expect him to take reasonable care to prevent loss or damage.

"Facebook party" is not an insued event!
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# 5
adamc260
Old 27-02-2012, 9:14 PM
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Quote:
Originally Posted by hugoshavez View Post
Yes, but on the same terms as it will cover you, ie. The insurers would expect him to take reasonable care to prevent loss or damage.

"Facebook party" is not an insued event!
No but 'accidental damage' is and I've never seen a policy that excludes 'Having a party' although granted you must take 'Reasonable care' to prevent items being damaged.
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# 6
FlameCloud
Old 27-02-2012, 9:20 PM
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Bear in mind if some items are taken or stuff gets damaged then some policies will exclude damage caused by people invited into the premises.
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