Tenant's Contents Insurance

camptownraces

flappy_mcwarbucks wrote: »

Ask them if the insurance covers your possessions, or just the landlords. I have a sneeky suspicion that your possessions wont be covered if the worst should happen, but the landlord will be the one profiting out of it.

Tenant cannot insure the Landlord's possessions.

Equally, Landlord is not liable in respect of Tenants possessions, and cannot insure them.

[we're talking about the ordinary kind of fire and theft cover here]

olly300

Jeffrey_Shaw wrote: »

A misunderstanding, maybe? The Unfair Terms Regs. are law; they bind Courts. The OFT guidelines aren't (because, not surpriisingly, these are just guidelines) and don't.

Having been to court on a few things the judges used guidelines and rulings by other regulators that weren't legally binding to determine what was fair.

Likewise they happily use the Royal Mails tracked for receipts as proof that letters sent were highly likely delivered.

These are civil court cases not criminal so the proof needed isn't as high.

In the cases I've been involved in the defendants settled before a ruling was made once they realised that.

The link is:
http://www.oft.gov.uk/shared_oft/reports/unfair_contract_terms/oft356.pdf

You want Group 18 (h) on pg 111

BTW if you want to stop the OFT guidelines being used then you need to initiate a court case and get it to the Supreme Court. Until then judges will use them for ruling on appropriate cases like they did with the bank charges.

olly300

camptownraces wrote: »

Tenant cannot insure the Landlord's possessions.

Equally, Landlord is not liable in respect of Tenants possessions, and cannot insure them.

[we're talking about the ordinary kind of fire and theft cover here]

The insurance is to cover the landlord's contents over accidental damage.

However as these policies aren't sold separately it forces tenants to take out contents insurance even if they don't want to.