Holiday Insurance. Heres why it pays NOT to insure.

Letsby_Avenue

Gloomendoom wrote: »

On Ebay now...

390428103182

You'll need to be quick. They are going like hot cakes.

Thats good value for money, unfortunately mine has a lens attached to it when I wrote it off. Add another £408.00

Letsby_Avenue

photome wrote: »

So are you saying you could have claimed £1500 on your household insurance? If so you would have been better off,your premiums would not have gone up by £1500 maybe not at all if you had protected no claims

I also think youi are missing the point, you didnt take out the correct insurance for single item cover but you were still covered for lots of other eventualities all be it you didnt claim

I dont have enough forum priviledges to post images, but the policy looked to me it had a personal effects cover of £1500. I didnt read the small print, irt wasnt available until after the policiy was bought. I dont know many prople that do read the small print from vbeginning to end.

The house insurance claim wouldnt work now because I have claimed on the holiday cover and its not possible to claim from two policies for the same item or accident.

I no longer have a camera so a claim is not possible anyway.

mynameistallulah

Letsby_Avenue wrote: »

I dont have enough forum priviledges to post images, but the policy looked to me it had a personal effects cover of £1500. I didnt read the small print, irt wasnt available until after the policiy was bought. I dont know many prople that do read the small print from vbeginning to end.

You had a cooling off period with the insurance, the purpose of this is to give you time to ensure you had the correct policy. It is a shame you did not use this time more wisely.

Gloomendoom

Letsby_Avenue wrote: »

Thats good value for money, unfortunately mine has a lens attached to it when I wrote it off. Add another £408.00

You should have posted yesterday. They had the 7D plus an 18-135 lens for £899.

Letsby_Avenue

photome wrote: »

So are you saying you could have claimed £1500 on your household insurance?

I could have done, but I now dont have a camera.

Hindsight is really great!

I only brought you all this so others can learn from my mistake,.

mynameistallulah

Letsby_Avenue wrote: »

I could have done, but I now dont have a camera.

Hindsight is really great!

I only brought you all this so others can learn from my mistake,.

Your mistake was not taking out sufficient cover, not taking out insurance.

Letsby_Avenue

Gloomendoom wrote: »

You should have posted yesterday. They had the 7D plus an 18-135 lens for £899.

Im sure there will be another for sale, but I do have a hankering for the Canon 5d Mark III which is full frame with all the 7d gizmos, also Im not a fan of Canons 18-135, I do quite like the 18-200mm lens.

Letsby_Avenue

mynameistallulah wrote: »

Your mistake was not taking out sufficient cover, not taking out insurance.

You are right, but if you read m original post, the policy was described as £1500 personal effects cover. I didnt think to believe it would not be.

mynameistallulah

Letsby_Avenue wrote: »

You are right, but if you read m original post, the policy was described as £1500 personal effects cover. I didnt think to believe it would not be.

But you did not read the paperwork to clarify what that meant. My home contents insurance covers me for an unlimited amount, but if you then read the policy it states a limit for individual items.

s_b

my camera cost £100 but i dont let it get too close to a swimming pool because im careful with goods i purchased due to my toil
maybe OP should get a cardboard cutout camera next time they have wet weekend in some substandard dangerous holiday package hell hole