Do you have home content insurance?

bbk87

Check your tenancy swell to see what things you are responsible for in your flat.

You might find that you're responsible for the white goods and/or the carpets etc. Which would mean that if you did have a 'flood' and they were all damaged due to the water, you would have to fork out for those yourself.

I added up all my belongings and it coms to around £12,000.00 not including clothes, and I don't have 'much' tbh. I certainly couldn't afford to replace all of that myself.

missprice

When I had virtually nothing, and I am talking an old black and white portable TV that stood on a cardboard box style of nothing, I had no insurance.
Now however I have a three bed house and all the contents, I have insurance.

In a long and complicated story that I won't go into I found out that the contents alone would be insured for £5.45 a month. For a 3 bed semi that's not bad.
But if you have done the maths and you could easily replace your bed and bedding/TV/clothes/towels/camera/phone/DVD player and DVDs/computer/laptop/tablet/games console and games/suitcases/handbags/the Hockney print etc then don't bother.

But really add the totals up, it can be surprising what it all adds up to to buy new.

Bart1

I have never purchased any insurance in my lifetime other than that required by law or mortgage. An insurance policy is basically a bet. The difference between bookmakers and insurers is that bookmakers are usually honourable.

If your horse wins the bookie pays out with a smile. If your drum gets turned over the insurer goes through the small print looking for a reason not to pay.

car0line123

out of curiosity, say a friend comes to my home and destroys the carpet (or any other item you can think of)
In England, is he responsible for replacing the carpet, or is it up to me to claim on my house insurance?

I always believed whoever did a damage was responsible, but was told otherwise recently, so just wondering.
**I am not asking my insurance company, after seeing an episode of Watchdog where people called their insurance asking about claiming for something (NOT making a claim, just asking for information) and the insurance company making a note of a claim on their file.

remorseless

Bart1 wrote: »

I have never purchased any insurance in my lifetime other than that required by law or mortgage. An insurance policy is basically a bet.

I don't think I had content insurance before either... that I can remember. I have building insurance back home for the actual structure!

If I get broken in - I reckon burglars would leave a box of chocolate and some cash feeling sorry for me :rotfl:

I will sum up my belonging and see how big the damage would be... I am pretty frugal :blushing: so really there isn't much. I came to the UK with a suitcase and I plan to leave it with the same content!

remorseless

car0line123 wrote: »

out of curiosity, say a friend comes to my home and destroys the carpet (or any other item you can think of)
In England, is he responsible for replacing the carpet, or is it up to me to claim on my house insurance?

Good question! I remember when I lived in Switzerland, 3rd party insurance was mandatory for this reason!

Marvel1

Yes, but I wouldn't go with Agency.

pyueck

car0line123 wrote: »

out of curiosity, say a friend comes to my home and destroys the carpet (or any other item you can think of)
In England, is he responsible for replacing the carpet, or is it up to me to claim on my house insurance?

I always believed whoever did a damage was responsible, but was told otherwise recently, so just wondering.
**I am not asking my insurance company, after seeing an episode of Watchdog where people called their insurance asking about claiming for something (NOT making a claim, just asking for information) and the insurance company making a note of a claim on their file.

Read up on tort law, too much to answer in one post! In short it depends on the facts.

datlex

Some contents insurances cover you for temporary accommodation if you cannot stay in your home eg flood damage.

Annie1960

Bart1 wrote: »

I have never purchased any insurance in my lifetime other than that required by law or mortgage. An insurance policy is basically a bet. The difference between bookmakers and insurers is that bookmakers are usually honourable.

If your horse wins the bookie pays out with a smile. If your drum gets turned over the insurer goes through the small print looking for a reason not to pay.

An insurance policy is nothing like a bet. It is a means to transfer risk from yourself to the insurance company.