£1500 is low for single limit rules these days, I think I only have to specify items over £5k
You did say that you pay £1k for home insurance though (what!) I am fairly sure that i could individually declare everything we own and not have a premium of £1k.£1500 is low for single limit rules these days, I think I only have to specify items over £5k
I think most comparison sites ask for things valued over £1500 to ensure they cover the cheapest insurers, bit like they ask about claims in the last 5 years even though some companies only base it on the last 3
I had to declare anything over £1500 on Compare the Market but when i clicked through to buy only those over around £2500 (i think) were included.
You did say that you pay £1k for home insurance though (what!) I am fairly sure that i could individually declare everything we own and not have a premium of £1k.
I know that you do have a nice watch collection (i still use watch doctors on your recommendation around 10-15 years ago!) I must say though, that even so, that does seem like a very high premium. Even for quite a large house with a fair amount of land and very near water with "high" risk of surface flooding, and with ~£20k valuables declared, quotes are around £250-350 for me.It's watches and jewellery that push it up plus the fact that I want an easy life and can't be arsed with safes, certifying the alarm etc