Home Insurance when Renting

J3OEF

has anyone ever used or heard of Brit Insurance?

just done a quote through moneysupermarket and they have come back cheapest at £12.56 P/M @ 10 months with a £25 deposit.

It covers Contents at £20,000 Personal Possessions at £2000 and also accidental damage and excess of £100.

Cheapest ive had so far, all others are as i said £22 per month or there abouts.

Any advice?

simon_templar_2

I think Brit Insurance sponsored the advert breaks during the cricket on sky sports last summer if that is some guide to their status!?

Rikki

J3OEF wrote: »

has anyone ever used or heard of Brit Insurance?

just done a quote through moneysupermarket and they have come back cheapest at £12.56 P/M @ 10 months with a £25 deposit.

It covers Contents at £20,000 Personal Possessions at £2000 and also accidental damage and excess of £100.

Cheapest ive had so far, all others are as i said £22 per month or there abouts.

Any advice?

You will just need contents insurance.

Don't always go for the cheapest. Make sure the policy suits your requirements.

You need single item insure for jewellery. Items are listed and have a recent valuation certificate. A £2000 ring will need some kind of paperwork and the insurance company should be made aware of it.
(eg: One of my rings had doubled in value in just under five years.)

J3OEF

well it seems to suit all that we need, it covers all the basic's and a little more, i have added the jewellery as a single item at £2000.

What do you mean the ring will need some kind of paper work? meaning i will need to supply the insurers a copy of value or something?

Rikki

J3OEF wrote: »

well it seems to suit all that we need, it covers all the basic's and a little more, i have added the jewellery as a single item at £2000.

What do you mean the ring will need some kind of paper work? meaning I will need to supply the insurers a copy of value or something?

The receipt saying how much you paid for it or a valuation and ring description from a jewellers. It normally tells you the type,size, clarity of the stones,style of the ring and value.
I have the later and it is advisable to have the jewellery revalued every five or six years. (Not cheap.)

I have never been asked to give the insurance company a copy, but when I had to make a claim recently I just sent them a copy of the valuation.

J3OEF

Ah right yes, i have these documents detailing the ring and as you said the stones, clarity, carat etc so should not be a problem