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Camcorder covered by home insurance?
mogwai
Posts: 1,252 Forumite
Someone drove over our camcorder :S
We don't have a receipt for it since it was a gift, but we have the old driven over camcorder, and a receipt for a replacement we purchased..
Will our home insurance cover it since it was out of the house when damaged?
The policy holder is not here at the moment, so I can't get an answer out of legal and general as to whether camcorders are covered..
We don't have a receipt for it since it was a gift, but we have the old driven over camcorder, and a receipt for a replacement we purchased..
Will our home insurance cover it since it was out of the house when damaged?
The policy holder is not here at the moment, so I can't get an answer out of legal and general as to whether camcorders are covered..
We got rid of the kids. The cat was allergic. 
Debt at LBM (Sep 07): £13,500. Current debt: [STRIKE]£680[/STRIKE] [STRIKE]£480[/STRIKE] [STRIKE]£560[/STRIKE] [STRIKE]£13[/STRIKE] £0 overdraft
Current aims - to start building up savings
1st £1000 in 100 days - £1178.03 2nd £1053.38/£1000 3rd £863.59/£1000 
:j
Debt at LBM (Sep 07): £13,500. Current debt: [STRIKE]£680[/STRIKE] [STRIKE]£480[/STRIKE] [STRIKE]£560[/STRIKE] [STRIKE]£13[/STRIKE] £0 overdraft
Current aims - to start building up savings
1st £1000 in 100 days - £1178.03
2nd £1053.38/£1000 3rd £863.59/£1000 :j
0
Comments
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If you have personal possessions cover and its value is under the single article limit for PPs then you should be fine. If you dont have personal possessions cover then it wont be covered.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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Though, assuming you have got PP cover, the insurer may not be too happy that you've already bought a replacement, i.e. they may prefer to settle claims by replacing the lost or damaged item!0
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but they cannot force this upon the policy holder. quicker claim to settle, better MI!0
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well, i guess we would accept a replacement or cash - either is ok. We had to replace the item asap because it was needed...
thanks, will look into the PP thing, have a feeling we don't have it!
We got rid of the kids. The cat was allergic.
Debt at LBM (Sep 07): £13,500. Current debt: [STRIKE]£680[/STRIKE] [STRIKE]£480[/STRIKE] [STRIKE]£560[/STRIKE] [STRIKE]£13[/STRIKE] £0 overdraft
Current aims - to start building up savings
1st £1000 in 100 days - £1178.03 2nd £1053.38/£1000 3rd £863.59/£1000
:j0 -
OK, now we got that sorted... can you explain how you managed to get a camcorder run over...?0
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