soa any comments pls? thanks

confused76

curly04 wrote: »

i've worked in insurance for 10 years many in claims, so please don't take this the wrong way.

The way I look at it is

If someone broke in to your house tomorrow and took every thing or heaven forbid there was a fire

You now have to replace everything

beds
sofas
clothes
tv
compter
kettle
mirrors , you get the picture

could you afford to replace it all?

like i say its your choice but it is worth it.

no no i don't take it the wrong way don't worry, i just genuinely have never given it consideration as i didn't see myself as having anything expensive. however i see your point the cost of the above all adds up.
got it! thanks x

confused76

peachyprice wrote: »

Is it fully furnished?

If you had a flood or fire, flat was broken into and vandalised, and all your clothes, furniture etc.was destroyed would you have to replace it?

i'd never thought about it like this, thanks x

curly04

good luck

confused76

thanks you too curly04! :hello:

fiveyearplan

I never had contents insurance although it was always on my list of things to get around to. One day my buildings insurance provider phoned and asked if I would like to add contents cover - thankfully I said yes because 3 months later we did have a fire in our house and apart from paying for replacement furniture and goods, coming to clear up the mess afterwards was the biggest thing I'm thankful for. Luckily the fire was contained to one bedroom and the living room below it suffered water damage and that was all fully redecorated.

Saying that, both my contents and buildings insurances have lapsed and it is back on my 'to do' list. I was a bit worried about the weather blowing down a tree or fence in the garden so I must ring them Monday morning.

One thing to look out for when you are getting insurance is that they will actually cover a bankrupt. No point in paying their premium if they won't pay out if you need it.

curly04

they ask the question on go compare so they will only find you people who will cover you,
thats my understanding of it

confused76

hi fiveyearplan thanks for this. what a good thing you took it out when you did!!!! that must have been awful...i guess i never consider things like that happening and i hope they never will. i hope the fence holds up over the weekend.
just out of interest, for a br roughly how much are we talking about for contents? i'll defo be sorting it out
thanks x

kerrypn

Confused

I get 35k of contents cover for £8 per month with bradford and bingley and I declared the bankruptcy its in my policy. Cost will depend on your postcode claims history and amount of cover though

confused76

thanks peeps
i'll have a look next couple of days x

ladylumps45

if you put contents insurance down does the OR check that you actually have the insurance(and other outgoings)?