Register Now

Already have an account?


Remember me

Lost Your Password?
Main Menu
Collector's Guide Table of Contents
Recent Visitors

45 minutes ago

Alina Baciu
1 hour ago

Tom John
1 hour 2 minutes ago

1 hour 33 minutes ago

2 hours 38 minutes ago

4 hours 41 minutes ago

9 hours 50 minutes ago

10 hours 56 minutes ago

Browsing this Thread:   1 Anonymous Users

« 1 2 (3)

Re: Insurance Appraisal
Home away from home
2009/10/30 4:30
Posts: 424
You are mixing two elements here-Policy Proposal and Claiming.

When you take out insurance you can pick any amount you want and with exception your insurer will not ask for evidence.

However when you claim I am not saying they will always ask for evidence I am saying that they may and have the right under the policy and my knowledge of the industry confirms this.

Clearly the value is a factor and in your example, no they are not likely to ask for a receipt/photo evidence of a phone and something like furniture but if you claimed for an expensive book/ ring/ watch etc they will ask for evidence of its existance and ownership and thus my recommendation best be safe than sorry.

I am afraid in the world we live there is every reason an insurer would ask for evidence when we suffer £millions of fraud every year. That is the reason why they should - to protect all us honest folks premiums.

Posted on: 2012/2/22 0:09

Edited by laurel on 2012/2/22 0:33:52

Re: Insurance Appraisal
2007/8/16 4:56
From Scotland
Posts: 1559
I basically agree with you laurel, but if your house burnt down, what evidence are you likely to have for 99% of your contents? None, as any evidence probably went up with the rest of your life! I just don't think you wouldn't get a payout in this situation.

But getting back to books, I've often wondered if you could get your "collection" itself insured. I wonder what these specialist book insurers actually do. You know, I have that flyer somewhere --I'll look it out & find out who they are etc.


Posted on: 2012/2/22 15:12
You drive a hard bargain – you can have it for £10 all-in – one consolation (for you) is that you do not have to hear the cries of my children, for bread...

« 1 2 (3)

You can view topic.
You cannot start a new topic.
You cannot reply to posts.
You cannot edit your posts.
You cannot delete your posts.
You cannot add new polls.
You can vote in polls.
You cannot attach files to posts.
You cannot post without approval.

[Advanced Search]

© 2015 TolkienGuide.com and respective authors. Contact Us