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Contents insurance cover

Off_it
Off_it Posts: 28,946
edited July 2011 in General Charlton
Anyone know of any "benchmark" rates of suggested minimum cover that someone can apply without having to go around and tot everything up.

i.e. 2 bed house in SE9 = £x, 3 bed house = £x, 4 bed house = £x

I know the value of contents will vary from house to house, but are there any average figures available anywhere?

Comments

  • cafcbrown
    cafcbrown Posts: 556
    I would suggest looking for cover the provides unlimited cover. This will ensure that you are never unsderinsured. Also look on the defaqto website, they are independent and rate insurances on a 1 to 5 star basis.
  • razil
    razil Posts: 15,041
    am sure I've seen this on the web somewhere or when buying, perhaps try the coop website?
  • Talal
    Talal Posts: 11,530
    Just got mine for under £100 legal & general, 2 bed in se12
  • Rizzo
    Rizzo Posts: 6,438
     Just be careful not to be underinsured as in the event of a claim you won't get the full value of your loss. For example, if you insurefor £20k but you actually have £40k of gear, insurers would only pay 50% of a claim, as you've effectively only insured 50% of your stuff.

    Unless you're particularly minted and have hoards of valuables in every
    room, most 'standard' policies will give you far more cover than you
    really need though so don't worry too much.
  • Off_it
    Off_it Posts: 28,946
    edited July 2011
    Cheers fellas.

    Have just found this rather handy tool


    Edit: Hmm, should've made sure I wasn't linking you through to my own personal figures first - don't want you all knowing how much more porn collection is worth now do I?!
  • Off_it
    Off_it Posts: 28,946
    edited July 2011
    Just got mine for under £100 legal & general, 2 bed in se12
    Blimey Talal, under £100? You ain't got much have you?!
    ;o)
  • Talal
    Talal Posts: 11,530

     

    Just got mine for under £100 legal & general, 2 bed in se12
    Blimey Talal, under £100? You ain't got much have you?!
    ;o)

    Nothing worth nicking !!  :)

  • jimmymelrose
    jimmymelrose Posts: 9,792
    Get all your receipts together for everything you've purchased. Add them up. Insure for that amount.

    Put them all in a box (ideally a safe) near the door. In the event of fire grab the box because they'll be the most important thing worth saving amongst all your possessions.


  • Floyd Montana
    Floyd Montana Posts: 3,730
    Posessions just arent important, man.
    It's only stuff

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