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  • FIRST POST
    • bobbyy
    • By bobbyy 13th Jul 18, 8:16 PM
    • 14Posts
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    bobbyy
    House Insurance Talents.
    • #1
    • 13th Jul 18, 8:16 PM
    House Insurance Talents. 13th Jul 18 at 8:16 PM
    Hi,

    I wanted to know in a house insurance claim do the talents get paid out separately ?

    (Mum living with son (aged 32), insurance under moms name).
Page 1
    • dacouch
    • By dacouch 13th Jul 18, 8:28 PM
    • 20,608 Posts
    • 12,767 Thanks
    dacouch
    • #2
    • 13th Jul 18, 8:28 PM
    • #2
    • 13th Jul 18, 8:28 PM
    If you are living with your mother, in your family home your own contents would be covered under her policy by most Insurers as you would be regarded one of the insured family members
    • bobbyy
    • By bobbyy 13th Jul 18, 8:39 PM
    • 14 Posts
    • 0 Thanks
    bobbyy
    • #3
    • 13th Jul 18, 8:39 PM
    • #3
    • 13th Jul 18, 8:39 PM
    If you are living with your mother, in your family home your own contents would be covered under her policy by most Insurers as you would be regarded one of the insured family members
    Originally posted by dacouch
    Yes, but her bank account and my bank account is to different places.

    Canít be arguing about the losses and payout.
    • jonesMUFCforever
    • By jonesMUFCforever 13th Jul 18, 8:46 PM
    • 25,316 Posts
    • 12,548 Thanks
    jonesMUFCforever
    • #4
    • 13th Jul 18, 8:46 PM
    • #4
    • 13th Jul 18, 8:46 PM
    Her policy, her payout, and only she can make a claim from what you have written.
    What goes around - comes around
    give lots and you will always receive lots
    • bobbyy
    • By bobbyy 13th Jul 18, 9:02 PM
    • 14 Posts
    • 0 Thanks
    bobbyy
    • #5
    • 13th Jul 18, 9:02 PM
    • #5
    • 13th Jul 18, 9:02 PM
    Her policy, her payout, and only she can make a claim from what you have written.
    Originally posted by jonesMUFCforever
    Yes but there are my contents in the house ...etc !!! (My 20 year old whisky).
    Last edited by bobbyy; 13-07-2018 at 9:04 PM.
    • dacouch
    • By dacouch 13th Jul 18, 9:05 PM
    • 20,608 Posts
    • 12,767 Thanks
    dacouch
    • #6
    • 13th Jul 18, 9:05 PM
    • #6
    • 13th Jul 18, 9:05 PM
    Look at her Policy Booklet, you can find a copy on line if your know which Insurer and which exact product eg brand.

    You just need to look under the "Definitions" or "Meaning of words" section and locate what they define as "Family" and / or "Insured Persons".

    You will then know if your items are covered, as others have mentioned, if the policy is in your mothers name and you are not a policy holder then actual claims payments would be made via her
    • tempus_fugit
    • By tempus_fugit 13th Jul 18, 9:47 PM
    • 525 Posts
    • 466 Thanks
    tempus_fugit
    • #7
    • 13th Jul 18, 9:47 PM
    • #7
    • 13th Jul 18, 9:47 PM
    Is it just me? What are talents?
    Retired at age 56 after having "light bulb moment" due to reading MSE and its forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.
    • jonesMUFCforever
    • By jonesMUFCforever 13th Jul 18, 11:03 PM
    • 25,316 Posts
    • 12,548 Thanks
    jonesMUFCforever
    • #8
    • 13th Jul 18, 11:03 PM
    • #8
    • 13th Jul 18, 11:03 PM
    Yes but there are my contents in the house ...etc !!! (My 20 year old whisky).
    Originally posted by bobbyy
    Basically tough!
    Unless you have your own key to a partition of the house you are living under her rules and insurance.

    You could put your valuables in a storage unit?
    What goes around - comes around
    give lots and you will always receive lots
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