Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • MSE Rosie
    • By MSE Rosie 15th Feb 17, 3:46 PM
    • 63Posts
    • 29Thanks
    MSE Rosie
    Renters' contents insurance guide discussion
    • #1
    • 15th Feb 17, 3:46 PM
    Renters' contents insurance guide discussion 15th Feb 17 at 3:46 PM

    Click reply below to discuss. If you haven’t already,

    join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
    Last edited by MSE Tony; 13-09-2017 at 1:10 PM.
Page 1
    • G Gy
    • By G Gy 31st May 17, 4:16 PM
    • 3 Posts
    • 0 Thanks
    G Gy
    • #2
    • 31st May 17, 4:16 PM
    • #2
    • 31st May 17, 4:16 PM
    Hi. I'm moving into a new house in 2 weeks, and I'm struggling to find a cheap insurance policy. My new agency wants me to get a policy that covers accidental damage to the property caused by me (aka wine spillage on the carpet). They recommended a company that offers tenant liability insurance, but it's 180£ annually. I've been paying 60£ annually to cover my contents, so tried to look for cheaper alternative. Phoned a few insurers and they all refused to cover accidental damage to the property because the building insurance shall cover it. Anyone has any experience about this?
    • G Gy
    • By G Gy 31st May 17, 5:09 PM
    • 3 Posts
    • 0 Thanks
    G Gy
    • #3
    • 31st May 17, 5:09 PM
    • #3
    • 31st May 17, 5:09 PM
    My problem is actually sorted now. Got a smashing 75£ deal from Axa.
    • Student_debt_Hype
    • By Student_debt_Hype 21st Aug 17, 4:28 PM
    • 7 Posts
    • 0 Thanks
    Student_debt_Hype
    • #4
    • 21st Aug 17, 4:28 PM
    • #4
    • 21st Aug 17, 4:28 PM
    Do I need "trace and access" cover or "accidental building damage" cover? They aren't on hardly any of my renting contents quotes - first time setting up my own contents insurance so a little lost!
    • Heliflyguy
    • By Heliflyguy 22nd Aug 17, 5:24 PM
    • 779 Posts
    • 366 Thanks
    Heliflyguy
    • #5
    • 22nd Aug 17, 5:24 PM
    • #5
    • 22nd Aug 17, 5:24 PM
    Do I need "trace and access" cover or "accidental building damage" cover? They aren't on hardly any of my renting contents quotes - first time setting up my own contents insurance so a little lost!
    Originally posted by Student_debt_Hype
    No, buildings cover will be for the landlord and trace and access for the cost of finding and fixing a leak landlord as well.

    Is the landlord/agency saying you have to have these? If they are you may want to post in the renting forum for advice.
    • Blibble
    • By Blibble 22nd Aug 17, 6:45 PM
    • 226 Posts
    • 106 Thanks
    Blibble
    • #6
    • 22nd Aug 17, 6:45 PM
    • #6
    • 22nd Aug 17, 6:45 PM
    Do I need "trace and access" cover or "accidental building damage" cover? They aren't on hardly any of my renting contents quotes - first time setting up my own contents insurance so a little lost!
    Originally posted by Student_debt_Hype
    As above, this is buildings cover not contents.

    As a renter, the landlord is usually responsible for this.
    • Annabee
    • By Annabee 12th Sep 17, 12:46 AM
    • 570 Posts
    • 417 Thanks
    Annabee
    • #7
    • 12th Sep 17, 12:46 AM
    • #7
    • 12th Sep 17, 12:46 AM
    Why has the quoted article within MSE now disappeared? It was only posted earlier this year, and promised to be quite useful.
    • MSE Tony
    • By MSE Tony 13th Sep 17, 1:11 PM
    • 64 Posts
    • 14 Thanks
    MSE Tony
    • #8
    • 13th Sep 17, 1:11 PM
    • #8
    • 13th Sep 17, 1:11 PM
    Hi

    I have updated the link to the guide which should now be working.
    • Annabee
    • By Annabee 13th Sep 17, 5:42 PM
    • 570 Posts
    • 417 Thanks
    Annabee
    • #9
    • 13th Sep 17, 5:42 PM
    • #9
    • 13th Sep 17, 5:42 PM
    Actually I have read the article now (thanks for fixing the link), but it missed out an area which I think is quite important - tenants' liability cover. This means you can claim if you accidentally damage your landlord's property. Some contents policies include this, but I am not sure if all do? And when signing a tenancy agreement, often the letting agency will try and push a tenant to take out their recommended contents cover (usually more expensive - they get a kickback) or insist that you have tenants' liability.

    We got our own policy (Endsleigh) that covered this. But I am still unsure if most ordinary policies cover it or not? Not much is said about it, so often you have to ring the company to find out, after getting quotes. We found it very useful when our washing machine leaked and spoiled the landlord's kitchen flooring, and we made a successful claim. Landlord and us were both happy!

    I assumed the MSE article would touch on this.
    Last edited by Annabee; 13-09-2017 at 5:53 PM.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,216Posts Today

7,070Users online

Martin's Twitter
  • I believe I can boldly go where no twitter poll has gone before https://t.co/HA0jC92gAK

  • OK I'm wilting to public pressure and there will be a star trek captain's poll at some point next week

  • I can get that. My order is 1. Picard 2. Janeway 3. Kirk. Too early to say where Lorca will end up (or would you? https://t.co/kawtCOe9RA

  • Follow Martin