Home contents insurance advice

Anyone here work in this area? About to move in with my partner and we need contents insurance. I have 5+ years no claims but she has claimed twice in the last 5 for stolen and broken items to the value of a grand. It will cost almost double if we have a joint policy.

My question is, if I am the sole policy-holder, is all her stuff covered in the house? In other words, is it the *contents *of the house that are covered or the *person *who holds the policy?

Cheers for any info.

You can be the policy holder for the whole household, but they will still ask for the claims history of other residents.

Need to renew my contents insurance and wondering who people recommend? Would like a policy that covers our bikes when out and about..

Cheers

Nic

Marks & Spencer

Paid out 8k when my flat flooded. New hifi, sofa, laptop, printers, books, cd's etc.

Also just paid out for my MacBook when I knocked a pint of Guinness into it. They also cover bikes up to 5k each without listing each one.

Yeah, the general forum thought is that M&S are best. I've gone with them as well.

+1 m&s

The first person to refernece some shitty comparison website advert is a cock

oh please, can't we just compare meerkats?

I suggest you use one of those sites that compares price comparison sites.

+1 M&S. Settled efficiently and pleasantly when bike mashed in crash. Have to include "accidental cover away from home option" if you want this though.

http://www.lfgss.com/thread478-10.html

Plenty above-

Points to note - if you are in a flat share with anyone than your lover/partner/relations (all 3) it becomes harder to get valid insurance

Lots of insurance companies have a maximum limit

*Cycleguard *(a division of JLT insurance) do standalone insurance for cycles (incl. worldwide cover) I have no experience of them so can't comment.

further to the above, are there any reasonable companies/quotes on bikes over £5,000? i've just had my premium raised by over 50% due to a claim i made on a bike damaged by BA in transit!

In short, no- or at least not to my knowledge, and I looked pretty hard a while ago.

If you find something please report back.

LLoyds of London underwriters ? :)

Bit of a dredge, but I could do with some help...

I called my insurance provider (contents insurance) today to tell them about my change of address, and as well as the stupid questions like "what year was the house built in?" (how the fuck would I know?), they asked how many people would be living there. 5, I told them.

Oh no, they said, we don't insure houses with more than 2 unrelated people living in them (despite me having in my hand my policy from my old house where there were 3 of us).

So my policy has been cancelled and I need a new provider for contents insurance. There must be other people living in shared houses who have contents insurance. What have you got, and would you recommend it?

It's quite possible your old policy was never actually valid even though you were paying for it, it happens a lot in the wacky world of insurance :/

Endsleigh are about the only people who will do this I'm afraid, as far as I know. I would love lots of people to pile in at this point and correct me..?

Marry T4. Job done.

I married CB for that very reason.

^^^I did question whether it was ever valid and read out where it said exactly how many people lived in the house - they said that they shouldn't have sold it to me but that they would have had to honour it. Whether that's true or not I don't know, I suspect they were saying that so that I didn't ask for compensation for misselling me the original policy.

I pointed out to them that it's a massive gap in the market, the number of people in the PRS is increasing and it's not exactly uncommon for people to live in shared houses of more than two people, particularly in London. They said that they were happy to miss out on this audience :(

^^ Awww, you guys! You never said!

He has no idea - he was sleeping at the time.

Did you lick him in the ear to seal the deal?

SIgned, sealed & delivered.

M&S bank, arranged online, have a look

£30 for a valuation?!