One loss, two policies

TSx

rs65 wrote: »

Changed effective from April 2012

https://forums.moneysavingexpert.com/discussion/3911209

I will have to double check but I don't think this refers to the personal effects agreement - the personal effects agreement doesn't come under the ABI blue book and I think the contribution rules were more general. We're still certainly dealing with both incoming contribution requests under the agreement, and sending requests under the agreement and haven't met any resistance.

Whilst you can claim on both policies (it makes it a nighmare for the claims handler though!) you can't claim for the same thing on both

e.g

Travel you claim for £200 worth
Home you can claim for £150 worth (but you have an excess of £200 so obviously not worth it)

Your travel policy will not work as a form of excess insurance unfortunately.

edit: I think the (now deprecated) contribution rules are Chapter 7 of this PDF