Home Insurance - Contents?

Hi,

Just coming round to renewing my house insurance. the only problem i
have at the moment is that no-one seems to cover for
electrical/hifi/cinema equipment worth £15k or so? If they will do it
they charge big premiums for the benefit.

Does everyone here declare to the insurance companies that they have
hi cost gear or "run the risk" of it not been insured in the event of
a claim?

Any thoughts would be welcomed...


Jon

Jon wrote:

Hi,

Just coming round to renewing my house insurance. the only problem i
have at the moment is that no-one seems to cover for
electrical/hifi/cinema equipment worth £15k or so? If they will do it
they charge big premiums for the benefit.

Does everyone here declare to the insurance companies that they have
hi cost gear or "run the risk" of it not been insured in the event of
a claim?

Any thoughts would be welcomed...

Try Marks and Spencer! They're getting into the market and are pretty
competitive. When we insured our place last summer they were not
interested in individual items worth less than £4,000! Collections did
not count if the loss of individual items did not impact the overall
value. So, a £10,000 collection of DVD is actually just lots of
individual DVDs. Lose some of them and the rest keep their value.

OTHO, lose one tea cup from that rare full set ming tea service and
the collection value suffers greatly becase it's no longer complete.

Guy, who has neither £10,000 of DVDs or a ming tea service - really!
-- --------------------------------------------------------------------
Guy Dawson I.T. Manager Crossflight Ltd

"Guy Dawson" wrote in message
.. .
Jon wrote:

Hi,

Just coming round to renewing my house insurance. the only problem i
have at the moment is that no-one seems to cover for
electrical/hifi/cinema equipment worth £15k or so? If they will do it
they charge big premiums for the benefit.

Does everyone here declare to the insurance companies that they have
hi cost gear or "run the risk" of it not been insured in the event of
a claim?

Any thoughts would be welcomed...

Try Marks and Spencer! They're getting into the market and are pretty
competitive. When we insured our place last summer they were not
interested in individual items worth less than £4,000! Collections did
not count if the loss of individual items did not impact the overall
value. So, a £10,000 collection of DVD is actually just lots of
individual DVDs. Lose some of them and the rest keep their value.

OTHO, lose one tea cup from that rare full set ming tea service and
the collection value suffers greatly becase it's no longer complete.

Guy, who has neither £10,000 of DVDs or a ming tea service - really!

how about a collection of minging DVDs? :-)

"Jon" wrote in message
...
Hi,

Just coming round to renewing my house insurance. the only problem i
have at the moment is that no-one seems to cover for
electrical/hifi/cinema equipment worth £15k or so? If they will do it
they charge big premiums for the benefit.

Does everyone here declare to the insurance companies that they have
hi cost gear or "run the risk" of it not been insured in the event of
a claim?

Any thoughts would be welcomed...

I have unlimited (yes - unlimited) home contents insurance with Barclays
OpenPlan for £210 a year.
It limits "high risk" to £10k - but this is jewellery, art, and computers (why
computers?)
There is no single item limit - apart from the high risk limit - and I don't
have to list any items.
It is only available to OpenPlan account holders though AFAIK

Loz

Kez wrote:


Guy, who has neither £10,000 of DVDs or a ming tea service - really!


how about a collection of minging DVDs? :-)

Well, I don't have Battlefield Earth.

Guy
-- --------------------------------------------------------------------
Guy Dawson I.T. Manager Crossflight Ltd

"Guy Dawson" wrote in message
. ..
Kez wrote:


Guy, who has neither £10,000 of DVDs or a ming tea service - really!


how about a collection of minging DVDs? :-)

Well, I don't have Battlefield Earth.

Guy

heh. what about 'lost in space'?

Kez wrote:

heh. what about 'lost in space'?

Rented it.

Guy
-- --------------------------------------------------------------------
Guy Dawson I.T. Manager Crossflight Ltd

"Jon" wrote in message
...
Hi,

Just coming round to renewing my house insurance. the only problem i
have at the moment is that no-one seems to cover for
electrical/hifi/cinema equipment worth £15k or so? If they will do it
they charge big premiums for the benefit.

Does everyone here declare to the insurance companies that they have
hi cost gear or "run the risk" of it not been insured in the event of
a claim?

Any thoughts would be welcomed...

Home insurance is a major rip-off - save the premiums and invest in a decent
alarm and window and door locks.

- Simon.

"Simon Heather" wrote in message
...

Home insurance is a major rip-off - save the premiums and invest in a decent
alarm and window and door locks.

And that will stop a fire, or some other natural catastrophy or accident will
it?
Duh!

Loz

Does everyone here declare to the insurance companies that they have
hi cost gear or "run the risk" of it not been insured in the event of
a claim?

Any thoughts would be welcomed...

Home insurance is a major rip-off - save the premiums and invest in a
decent alarm and window and door locks.

********.

Most insurance policies are happy with an overall contents value. If you
have to declare items (and it's best to at least have a list and some
photos) then price everything individually - they shouldn't bat an eyelid at
a £500 speaker, but a £3000 speaker set might raise an eyebrow.