Living between 2 homes

Belfastlad_2

My partner and I both have our own houses which we both live between during the week at his and the weekends at mine. His property was burgled while we were at work. I had quite alot of jewellary stolen and my insurance states I am covered up to £3500 for items lost away from home (my home). My partner tried to claim for my stuff on his insurance and the company are saying they do not class me as part of his family unit as I am not on the electoral registrar for his address and have a home of my own. We have been together 20 years and they are saying I am not part of his family unit. Has anyone ever experienced anything similar?:(

huckster

I agree with the Insurers. You are not married and not registered at his address. You need to claim under your own policy for a loss away from home.

rs65

Belfastlad wrote: »

My partner tried to claim for my stuff on his insurance and the company are saying they do not class me as part of his family unit as I am not on the electoral registrar for his address and have a home of my own. We have been together 20 years and they are saying I am not part of his family unit. Has anyone ever experienced anything similar?:(

You'll need to look at the policy definitions to see who is insured. My policy defines 'You' and it includes domestic partners. Do you have anything that would identify you as a domestic partner at his address?

Presumably you both have a fair amount of stuff at each others houses including items owned jointly. In hindsight you should have both been named as joint policyholders on both policies as far as contents go.

Belfastlad_2

rs65 wrote: »

You'll need to look at the policy definitions to see who is insured. My policy defines 'You' and it includes domestic partners. Do you have anything that would identify you as a domestic partner at his address?

Presumably you both have a fair amount of stuff at each others houses including items owned jointly. In hindsight you should have both been named as joint policyholders on both policies as far as contents go.

What would identify me as a domestic partner at his address? Would it be bills etc?

huckster

Belfastlad wrote: »

What would identify me as a domestic partner at his address? Would it be bills etc?

Could be. It needs to be evidence that you lived at the address as his partner, so should have benefit of the Home Insurance at the address the loss occured from.

InsideInsurance

Belfastlad wrote: »

we both live between during the week at his and the weekends at mine. His property was burgled while we were at work

Who is his insurance with?

Home cover normally include's guests items whilst the items are in your property and the guests are staying plus anything that is in your property that you do not own but are legally liable for, ie something you are looking after for someone else.

You should ask them to identify which clause they are excluding cover on the basis of.

The other issue you will face is if his sums insured are sufficient to factor in not only his own items but yours that you've been leaving there. If not then you may have averaging applied to claim even if they do accept it (ie if he's insured for £5,000 of jewelry but you've been leaving £10,000 of items there then only 50% was covered and so only 50% of any claim will be paid)

Belfastlad_2

InsideInsurance wrote: »

Who is his insurance with?

Home cover normally include's guests items whilst the items are in your property and the guests are staying plus anything that is in your property that you do not own but are legally liable for, ie something you are looking after for someone else.

You should ask them to identify which clause they are excluding cover on the basis of.

The other issue you will face is if his sums insured are sufficient to factor in not only his own items but yours that you've been leaving there. If not then you may have averaging applied to claim even if they do accept it (ie if he's insured for £5,000 of jewelry but you've been leaving £10,000 of items there then only 50% was covered and so only 50% of any claim will be paid)

His home insurance is with AXA, he has never had to make a claim in 20+ years.

InsideInsurance

Belfastlad wrote: »

His home insurance is with AXA, he has never had to make a claim in 20+ years.

Axa Direct or via an intermediary/ Broker?

Belfastlad_2

InsideInsurance wrote: »

Axa Direct or via an intermediary/ Broker?

It with Axa Direct

huckster

Belfastlad wrote: »

It with Axa Direct

https://secure.axainsurance.com/home/policy-wording/policywording_141.pdf

If this link works, you can read the definition of family on page 26. You would have to prove you were a domestic partner permanently residing at the property. Permanently residing means that this was a property you were mainly resident at and Insurers will want evidence of this e.g utility bills, your name registered with council as living there.

If you cannot prove this, you will have to claim off your own policy.

InsideInsurance

Contents definition:

Household goods (including tenants fixtures, fittings and interior decorations) frozen foods, personal effects, business equipment, valuables and money, are included provided that they belong to you or your family or you or they are legally responsible for them and they are mainly used for private purposes

Family definition:

Your spouse, domestic partner or civil partner, children, domestic staff and/or any other person permanently living with you and not paying for their accommodation

So either you have to be named on his schedule, meet the definition of family above and be able to substantiate it or go down the route of trying to argue that it was in his care and therefore he has a legal liability for them but in the absence of a contract this may be hard to do