Re: Home Contents Insurance for us gadget junkies...

[David Sussman <davids@xxxxxxx>]

I've had no problem with my insurer and my ludicrously expensive hifi.
The
didn't even want to see receipts, even though some had to be named items
as
the breach the single item limit. Of course, now I've discovered this
forum
I think I'll be spending my money on ha stuff for the next year or so.

I recommend you keep a catalogue of your CDs. That's a real nightmare if
you
want to get them replaced. I've even seen suggestions that you get a
videocam and gradually walk it along the CDs so you have visual proof.

Dave
(paltry collection, not quite up to 1000, but catalogued in a database,
and
stacked, sadly, in alphabetical order).


"Bricknell, Tony" <tony.bricknell@xxxxxxx> wrote in
message
news:<6553BCF3E25DD2118F0A00AA00AE6AAA44ACA2@tigger>...
> I contacted my insurer (Alliance & Leicester - arranged alongside
the
> mortgage), first by phone, and then followed it up with a letter due
to:
> 
> 1. Having a CD collection running into the 1000's,
> 2. A blinkin' expensive WS TV.
> 
> They confirmed that their "Collections" category (along with
its
> exemptions)
> did not cover my ... er ... collection of CD's - the category was
meant
> more
> for the "Works of Art"-type stuff and, as such, my CD's
would be
> covered.
> As for the TV, they were happy to modify my insurance cover upon
seeing
> a
> copy of the receipt.  And, just to be sure, whenever I install a
new
> goodie
> I take photo's and keep them stored at a separate location (work) -
just
> in
> case...
> 
> Never tried any other companies (though Amar's posting about the
Halifax
> may
> get me looking when the policy's up for renewal),
> 
> Tony
> 
> 
> -----Original Message-----
> From: Stuart Booth [mailto:stuart@xxxxxxx]
> Sent: 27 May 2002 14:17
> To: ukha_d@xxxxxxx
> Subject: [ukha_d] Home Contents Insurance for us gadget junkies...
> 
> 
> Guys,
> 
> I imagine we've all got a higher than average collections of 
> expensive toys. Equally I'm sure many of us have large CD and 
> DVD collections. Maybe even vinyl too.
> 
> How do you guys go about insuring your home contents?
> 
> Are there any insurers out there that look favourably on large(r) 
> CD/DVD collections and numerous toys of high value?
> 
> Rather than those that just treat you like an idiot for having more
> than 30 CDs or just refuse to give a quote as it's 'too hard' or 
> whatever.
> 
> Stuart
> 
> 
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