Contents insurance claim-value at risk form

cb101

well looks like he has nothing to worry about I can only think of about £36ks worth

Red_dog_Sam

It seems like you have a reasonable level of contents cover anyway but just make sure you don't overestimate the values when you fill in the form or your payout could be reduced.

I made a claim through esure following an escape of water. The damage to I filled in a contents at risk form that totalled more than the contents insured value. I have been told I was underinsured and will only receive a settlement to the same ratio - 40% of the actual value. I'd thought that the total contents value would be sufficient to cover anything except total loss of all contents when the value would be capped at the insured level and that some items of value - like old games consoles I wan't bothered about being covered anyway. Wrong - and not a leg to stand on it seems.

By the way , it has taken me over 6 months just to get this offer of a settlement. Cunningham Lindsay were appointed as loss adjusters and seem to have made the entire process painfully slow, beauracratic and awkward. Hope you don't share that "customer experience" !