Contents Insurance

needabed

Bart1 wrote: »

Personally I have never brought any insurance not required by law or mortgage.... The difference between insurers and bookmakers is that bookmakers are honourable ...... If your horse wins the bookie pays you with a smile..... If your house gets burgled the insurers consult the small print to find a way not to pay you

There is a huge difference between a punter winning £10 and someone claiming £10,000 of stolen goods which may or may not have existed. I worked for a bookies and any win over £5k had to be checked and verified. And really big wins would need sign off by various members of staff and could take days to payout.

TBagpuss

Bart1 wrote: »

Personally I have never brought any insurance not required by law or mortgage.... The difference between insurers and bookmakers is that bookmakers are honourable ...... If your horse wins the bookie pays you with a smile..... If your house gets burgled the insurers consult the small print to find a way not to pay you

That hasn't been my experience. I had to make claims following flooding and found the insurers paid up with no problems and were very helpful. I even had to talk them out of getting my sofa professionally cleaned (it has metal legs and was untouched by the water!)

The only time I have ever not had contents insurance was when I was a student, and that was on the basis that the insurance premiums and excess meant it would have been more expensive to pay for insurance than to replace everything if it was stolen or destroyed. But that was back in the Dark Ages and I didn't own a computer, TV or anything else of any significant value.

OP, I would suggest that you look at comparison sites, but read reviews as well - the cheapest is not always the best value, you need to look at how they would deal with a claim if you had to make one, too.