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  • FIRST POST
    • Bimbly
    • By Bimbly 5th Feb 18, 10:04 AM
    • 38Posts
    • 34Thanks
    Bimbly
    House insurance: items over £1000
    • #1
    • 5th Feb 18, 10:04 AM
    House insurance: items over £1000 5th Feb 18 at 10:04 AM
    I'm on one comparison site for my house insurance and they want me to list items over £1000.

    When I moved in, I bought a dining set at £1499. But the table and chairs separately would be less than £1000.

    My bed is worth more than £1000, but I bought the bedframe at one shop and the mattress at another under £1000 each.

    Etc.

    What do people do when listung these things? I have a lot of items which cost over £1000.
Page 1
    • YHM
    • By YHM 5th Feb 18, 12:19 PM
    • 497 Posts
    • 184 Thanks
    YHM
    • #2
    • 5th Feb 18, 12:19 PM
    • #2
    • 5th Feb 18, 12:19 PM
    If you have so much of value, why are you scrimping to save pennies on a comparison site. Get a broker involved to ensure your valuables are suitably protected with a good solid insurance policy
    I am a Mortgage Broker.

    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice
    • rs65
    • By rs65 5th Feb 18, 6:43 PM
    • 5,327 Posts
    • 2,531 Thanks
    rs65
    • #3
    • 5th Feb 18, 6:43 PM
    • #3
    • 5th Feb 18, 6:43 PM
    I'm on one comparison site for my house insurance and they want me to list items over £1000.
    Originally posted by Bimbly
    Are you sure you have to list household items? Sure itís not items that you would take out the house or valuables, art etc.
    • rs65
    • By rs65 5th Feb 18, 6:45 PM
    • 5,327 Posts
    • 2,531 Thanks
    rs65
    • #4
    • 5th Feb 18, 6:45 PM
    • #4
    • 5th Feb 18, 6:45 PM
    Get a broker involved to ensure your valuables are suitably protected with a good solid insurance policy
    Originally posted by YHM
    There are plenty of direct writers who provide good solid insurance policies. Also plenty of brokers who donít.
    • Blibble
    • By Blibble 5th Feb 18, 6:58 PM
    • 358 Posts
    • 499 Thanks
    Blibble
    • #5
    • 5th Feb 18, 6:58 PM
    • #5
    • 5th Feb 18, 6:58 PM
    Are you sure it isn't asking for valuables over £1000? Valuables generally include jewllery, artwork, bicycles etc.
    Wedding fund - £1505.92
    OP fund - £629.47 (£505.23)
    Emergency fund - £160.00
    • ValiantSon
    • By ValiantSon 5th Feb 18, 7:01 PM
    • 858 Posts
    • 695 Thanks
    ValiantSon
    • #6
    • 5th Feb 18, 7:01 PM
    • #6
    • 5th Feb 18, 7:01 PM
    If you have so much of value, why are you scrimping to save pennies on a comparison site. Get a broker involved to ensure your valuables are suitably protected with a good solid insurance policy
    Originally posted by YHM
    It isn't necessary to use a broker to get an insurance policy that meets these kinds of needs. The items described by the OP are fairly normal everyday items that are covered by lots of insurers who are listed on comparison sites. The OP wanted to know how to categorise them, not to be told that they should take on the services of an insurance broker.

    Furthermore, it is almost certain that the question was about valuables. I'm surprised as a broker you wouldn't have realised that.

    I appreciate that you are an insurance broker and therefore feel that you provide a useful service, but I can't help feeling that your response is also influenced by your occupation, rather than being an objective view of the issue. Your vested interest is showing.
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