nobbysn*ts wrote: »
"My insurance company say that it won't be covered under my contents insurance " - They did. Not simples.
Dangermac wrote: »
I agree with you......
vaio wrote: »
As above, I'm not sure an insurable interest arises on the stored dress but equally I'm not entirely clear how one arises on guests possessions either but they are covered, maybe this is an instance of insurers paying out on moral/fairness grounds
And I suppose it can get tricky with the "what is a guest" question...
A visitor? Some one who stays overnight?
If my friend Sue visits me and we go out for the day I'd assume that possessions she leaves in my house are covered whilst we are out. What if we are out for two days? two weeks? What if she goes out by herself? What if she goes to stay with other friends leaving stuff at my house? Is she still my guest?
How about if she goes home but intends to return? Still my guest?
I'd say yes in every case and that would also apply if the possessions she leaves at my house happens to be a wedding dress
vaio wrote: »
I don't think I've changed...post 11 was about something I borrow which by definition provides me a benefit & hence insurable interest.
I'm less sure about storing a dress which doesn't provide a benefit (apart from maybe a nice warm feeling from helping a mate)
Then DL go and confuse things by covering guests possessions where I similarly can't see how an insurable interest arises but as they do cover them then it seems to me that the dress would fall into this category and be covered as per post #35.
New plans have just been announced by the Government
DON'T assume your landlord covers you
Incl £2ish sun cream & £1.50 disposable BBQs