lloyds tsb home insurance advice needed

the_blue_angel

my premium is due with lloyds tsb and has gone up to 13.70 per month,
for contents,it is with full accidental damage. without accidental damage
it would be 4.36 per month i have a small 1 bedroom council flat.would my tv
video dvd player still be covered on the standard plan of 4.36 without ad.
is it worth paying the extra cover to get accindental damage thanks

FlameCloud

The majority of contents policies (if they are half decent) include AD to electrical equipment and computers for free as part of the standard cover. Looking at their website it appears this is the case.

For you, all the extra AD pays for is damage to carpets, sofas etc. Its up to you if you think you run the risk of damaging these items.

jessjess_2

I work for a company that will be dealing with Lloyds claims very soon. From the booklets we have seen so far AD is an extra, even to audio/visual is extra, so you would be wise to check the booklet.

FlameCloud

If the OP's renewal is now, i.e. before you begin to underwrite it then they will have AD to electrical equipment as standard, according to their current policy booklets.