Contents insurance

[horselady]

Can a few of you give me an idea of what you pay for contents insurance? I want to insure our possessions fo �50,000 and have been quoted from �9.30 a month to �21.45 per month! How can there be such a difference, the companies seem to all offer the same cover. What would you consider to be about right? It is a rented house and I want to insure our stuff and the carpets and curtains that belong to the property.

[Ethel]

Some policies include accidental damage, others don't.

Some policies pay the cost of new replacement, others deduct wear and tear.

Some policies include garden furniture, tools, items in sheds and garages, others don't.

Some insure your personal possessions whilst you are out and about with them, others don't.

Some have big excess, others don't.

Some pay for replacement keys and locks, others don't.

And so on.

So you have to read the policies very carefully to make sure you are getting what you expect.

[muppeteer]

1st of all you cant insure the carpets, curtains & other stuff that belongs to the property as you have no insurable interest in them. it will only be your own belongings that are covered.
it is not unusal to find a big difference in prices between companies. some charge on the sum insured, so the more you cover the more you pay. others have a set sum insured (they will cover your contents up to their correct value up to a maximum of �50000) it also goes on your area, age, occupation etc, but between �10 & �20 per month sounds about right. dont be put off by the lower price- it wont necessarily be worse cover. just chech it has everying you need eg accidental damage cover, personal effects away from home & legal expenses (although this is really a waste of money!)

[Ethel]

Legal expense insurance is NOT a waste of money. I would have had a very big bill indeed without it 5 years ago.

[Doc_Spock]

Hi Ethell sorry to burst in but need your expertise.


Where is my installed software for microsoft lifecam 1.4.


Cant find it to remove it to reinstall it.

[horselady]

Thanks everyone. Muppeteer, I thought we should insure the carpets and curtains in case we do something that damages them, especially the carpets? Is that not the case?

[gman11]

what age r u if u dont mind me asking but if u r over 50 then try rias.co.uk and get an age related discount doesnt costanything to find out

[horselady]

No I don't mind you asking at all. We are both over 50 so I'll have look at that one. Thanks.

[Mr Chipps]

May be too late now Horselady, but Saga does a good deal with no interest to pay on monthly installments if you buy online.
It wasn't the cheapest but wasn't far off (�190 when the cheapest was �174).