insure a dress to be stored elsewhere???

Idiophreak

trukdiver wrote: »

If you itemise it on your insurance, you'll have to pay extra plus the admin charge for changing your policy. Who's going to pay that?

Most likely me.

I've *agreed* to take on the responsibility of looking after the thing.

If the house burnt down and the dress was lost, *I* would feel morally obliged to replace it.

*I* could gamble and hope the house doesn't burn down - but know *I* will be paying out £2500 if it does. Or *I* can pay £20 (was similar last time I added a new item) and know it's covered. Personally, *I* would pay.

Of course, shoe on the other foot, I'd offer to pay this cost for my friend that was doing my the favour of storing the dress...

It's much like if I offered to dogsit for a friend. If it needed medicine to keep it alive, I'd pay, even if I knew the owner couldn't / wouldn't pay me back...because I'd taken on the responsibility of looking after it, so would feel obliged to do my best. (NB: This is just one of the many reasons I don't offer to dogsit...not liking dogs is, admittedly, higher on that list )

Idiophreak

nobbysn*ts wrote: »

This is all irrelevant anyway. OP's insurer has said it's not covered, so how else can it be covered?

Ask the insurer to cover it. Simples.

nobbysn*ts

Idiophreak wrote: »

Ask the insurer to cover it. Simples.

"My insurance company say that it won't be covered under my contents insurance " - They did. Not simples.

Idiophreak

nobbysn*ts wrote: »

"My insurance company say that it won't be covered under my contents insurance " - They did. Not simples.

Right. They say "It's not covered". OP says "well I'd like it covered, please". Like I said, simples.

vaio

nobbysn*ts wrote: »

Household goods, personal possessions, camping equipment, money, satellite dishes, aerials and other articles, unless otherwise insured, for which you are responsible or that belong to you, domestic staff who live in or guests, except paying guests........Even though Dangermac's phrase for the formal agreement isn't there, you would assume "Look after my wedding dress will you"- "Yes, I'll take good care of it" would constitute a formal agreement.

yep, I'm not even sure what "formal agreement" means strictly and dangermac hasn't answered the question and that's before you consider him inserting those words when the people who wrote the DL T&C didn't think they were necessary.

More generally, borrowing something give me the use of the item which is a benefit I can protect aka insurable interest. Does the same apply to a stored dress? I'm not sure but I'm inclinded to agree with you in that agreeing to store it = I'm responsible

nobbysn*ts

Idiophreak wrote: »

Right. They say "It's not covered". OP says "well I'd like it covered, please". Like I said, simples.

Not you put it like that, it is so simple. Now I bet they wish they had thought of that themselves! Asking their own insurer, when the phoned up to ask about it being insured, rather than simply not asking them. So simples even the insurer didn't think of trying to sell an upgrade either.

Idiophreak

nobbysn*ts wrote: »

Not you put it like that, it is so simple. Now I bet they wish they had thought of that themselves! Asking their own insurer, when the phoned up to ask about it being insured, rather than simply not asking them. So simples even the insurer didn't think of trying to sell an upgrade either.

You're right, it is strange if the insurance company didn't take the chance to try and upsell...but maybe they did and the OP just thought she'd ask if there was a better / other way of covering before agreeing to pay the additional cost.

You can be flippant all you want, but fundamentally the easiest way of getting something insured is to *actually ask someone to insure it*.

nobbysn*ts

Idiophreak wrote: »

You're right, it is strange if the insurance company didn't take the chance to try and upsell...but maybe they did and the OP just thought she'd ask if there was a better / other way of covering before agreeing to pay the additional cost.

You can be flippant all you want, but fundamentally the easiest way of getting something insured is to *actually ask someone to insure it*.

I think that was the question the op raised. *who can they ask* - "I am wondering how we might go about finding an insurer for this one off item. "

trukdiver

Idiophreak wrote: »

Most likely me.

I've *agreed* to take on the responsibility of looking after the thing.

If the house burnt down and the dress was lost, *I* would feel morally obliged to replace it.

*I* could gamble and hope the house doesn't burn down - but know *I* will be paying out £2500 if it does. Or *I* can pay £20 (was similar last time I added a new item) and know it's covered. Personally, *I* would pay.

Of course, shoe on the other foot, I'd offer to pay this cost for my friend that was doing my the favour of storing the dress...

It's much like if I offered to dogsit for a friend. If it needed medicine to keep it alive, I'd pay, even if I knew the owner couldn't / wouldn't pay me back...because I'd taken on the responsibility of looking after it, so would feel obliged to do my best. (NB: This is just one of the many reasons I don't offer to dogsit...not liking dogs is, admittedly, higher on that list )

So you would end up paying to do someone else a favour. :rotfl:

Idiophreak

trukdiver wrote: »

So you would end up paying to do someone else a favour. :rotfl:

Yes....is that such a strange thing?

Normally the whole point of a favour is that it takes a little effort and / or cash of the person it's being asked of....

In any case, in this instance, OP would be paying for her own peace of mind, not for doing someone a favour.

Of course, if the bride insists the dress must be insured, that's a different kettle of fish...