House contents insurance

Stag

Stag

Stag

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Just moved into a new flat with a friend. Two 24 year old guys with at most 10k's worth of stuff (slight over estimate :P), did a quick online estimate that came in at about £150 a year. That sounds reasonable?

How much do you pay for yours?

Who do you recommend?

Any horror stories?
 
I think you should be ooking to be paying between £10-£12 a month depending on the policy.

You normally have to name any item over £1,000
 
Me and the wife (just me then :D) pay £14 a month so around £170 a year. No horror stories, with our policy we are covered for up to £15000 worth of stuff.

We went with NatWest, they were cheapest and gave us £50 cashback on the first month :)
 
I'm paying £80 per year. Contents or buildings and contents? You should only require contents if your renting. Privilege
 
Keep in mind that for 99.9% of house content policies to be valid your locks must be british standard five level locks (BS 3621). Since all BS 5 lever deadlocks can be opened in seconds with bump keys (google it up), it's a choice of investing in Gerda type of "unusual keyhole shape" lock with armed doors or investing in insurance policy with full knowledge it will pay up only if you leave your house locked with toy locks.
 
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v0n said:
Keep in mind that for 99.9% of house content policies to be valid your locks must be british standard five level locks (BS 3621). Since all BS 5 lever deadlocks can be opened in seconds with bump keys (google it up),
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Surely if the policy requires 5 leaver lock and you have then whether they are secure or not, you're covered?
 
Check what the cover is and if anything is covered 'all risks' outside the house (useful for rings, watches etc) over a certain amount you will have to declare the value too.
 
I think he means - if you rent a house, it's the landlords duty to make sure he has buildings insurance - it's the people living in it that need the contents.

I pay £170 for both building and contents and have £100,000 worth of cover - which was £90 less than for the same cover given by my previous Insurer the year before.
 
We're just renting so contents insurance on a 2 bedroom ground floor flat. Sound like the quote is reasonable.

No-one got any stories about past claims etc? One thing I am slightly concerned about are my speakers which were bought on ebay, is an ebay listing counted as a receipt?
 
LordSplodge said:
????

So people with mortgages don't need contents or have I read that wrong because I sure do have a lot of contents that need covering... :)
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Burnsy2023 said:
He's saying that if you're renting you aren't liable for the building and therefore don't need insurance for it.
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divosuk said:
I think he means - if you rent a house, it's the landlords duty to make sure he has buildings insurance - it's the people living in it that need the contents.

I pay £170 for both building and contents and have £100,000 worth of cover - which was £90 less than for the same cover given by my previous Insurer the year before.
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Bingo. Yep, renting only as I mentioned.
 
Burnsy2023 said:
Surely if the policy requires 5 leaver lock and you have then whether they are secure or not, you're covered?
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The point is - there is no such thing as secure 5 lever chubb lock as they ALL can be opened with bump key. As do all Yale types. With no exception. BS 3621 speculates only about number of levers and bolt throw of 14/20mm, and because most true secure locks don't use that technology (actually, no one else in the world use chubb locks anymore except for old, rural parts of scandinavia). So in the end, it's a choice of being covered, but knowing any, even most inexperienced burglar can open your door in seconds, or not being covered but having your contents secured behind lock hard to compromise...
 
v0n said:
The point is - there is no such thing as secure 5 lever chubb lock as they ALL can be opened with bump key. As do all Yale types. With no exception. BS 3621 speculates only about number of levers and bolt throw of 14/20mm, and because most true secure locks don't use that technology (actually, no one else in the world use chubb locks anymore except for old, rural parts of scandinavia). So in the end, it's a choice of being covered, but knowing any, even most inexperienced burglar can open your door in seconds, or not being covered but having your contents secured behind lock hard to compromise...
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You're losing me. If you have a lock that meets the insurance then surely this is a moot point?
 
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