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Contents insurance

VertigoVertigo
edited June 2008 in Chit chat
Howdy,
I'm soon going to be sharing a flat with 2 other people, one live-in landlord and one other.
I currently have contents insurance but it's solely my rental. As I'm moving in with someone else, is it possible to have my own contents insurance policy under their roof or would I have to insure my stuff under the main one?
I don't want my stuff to be uninsured and also don't really want to get involved with the landlord's insurance policy or get him to increase his premium even if I pay him.
Any ideas?
Post edited by Vertigo on

Comments

  • milemile
    edited June 2008
    how much stuff you got?

    i'd say put your faith in the lord. i dont have insurance. bollocks to it, its a waste of money.
  • NickHNickH
    edited June 2008
    Usually there's a limit on the value of contents insurance, and the value of your stuff on top of the value of "their" stuff will probably go beyond that limit - if your place is cleared out by burglars or burned to the ground, the limit probably won't cover you both.

    So, get your own personal contents insurance after valuing all that you own appropriately. It's pretty cheap.
  • AmfootAmfoot
    edited June 2008
    I'd have to agree with NickH - get your own cover arranged and then there's no complications if stuff gets burned or lost and everyone starts putting in overly ambitious claims based on one policy ("no, honestly, I did have 15 wide-screen HD TVs in my room, you just never saw them")

    I remember back in student days Endsleigh insurance were good for sensible rates for insuring one room content in a shared house, so perhaps they'd be worth a try?

    Make sure you know what the excess amount is though, as if one item gets nicked it's often sod's law that the excess you'll be paying is a high percentage of the overall insurable value of that item anyway
  • VertigoVertigo
    edited June 2008
    Personal contents insurance, ok, will do that, thanks. And yes, aware of excess charges, I'm more concerned that the place gets cleaned out including my stuff.
  • murtcepsmurtceps
    edited June 2008
    Find a good local broker, it's easier to talk to someone real, and discuss your situation !, or as a previous poster said endsleigh used to be good when I was at Poly (20 years ago!!).

    You've got to remember it's easy to to insure a £75 bike for £25 p.a. inc £50 excess, Some things are just worth excluding and taking the hit, if anything happens.
  • beanzbeanz
    edited June 2008
    Whenever you do get it take photos of all your stuff (and maybe go to your friends/parents and photo some of their stuff!).

    That way if you do need to make a claim you can present the photos of stuff you had nicked/burned.
  • milemile
    edited June 2008
    beanz wrote: »
    Whenever you do get it take photos of all your stuff (and maybe go to your friends/parents and photo some of their stuff!).

    That way if you do need to make a claim you can present the photos of stuff you had nicked/burned.

    just dont store the photos on your hard drive.:-P

    edit - and take a pic of your camera in a mirror.
  • ZnorXmanZnorXman
    edited June 2008
    mile wrote: »
    just dont store the photos on your hard drive.:-P

    edit - and take a pic of your camera in a mirror.

    Don't be naked while doing that ... well, unless you really want to ... then you can say "They nicked me clothes too!"
  • AmfootAmfoot
    edited June 2008
    Marking your property with one of those UV pens is a good idea too, as I know people who've had the police successfully recover property by using those. Stick your postcode and house number on it!
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