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Re: Insurance Appraisal
Shirrif
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2007/8/16 4:56
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Seriously, I don't think (books aside) you always need evidence of items, if they are stolen. I've never heard of anyone having a mobile phone stolen, for example, and having to prove the original purchase; or if they even still owned it (say, two or three years after purchase) when a house was broken into, for example. Do you? When you get contents insurance (aside from individual high value items) have you ever been asked by your insurer to provide evidence of why you want, say, £50,000 worth of insurance? Your clothes, furniture etc --why would you have proof of these items, or their value?

I'm sure books, in regard to collectors, would differ. But there's no real reason why they should.

BH

Posted on: 2012/2/21 15:12

(edited)
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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...


Re: Insurance Appraisal
Home away from home
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Well merged.
I am not saying they would ask for photos but would normally insist on evidence. If say books were water damaged then it I'd likely you would still have them so that would be the evidence . However imagine if they were stolen- they would almost certainly ask you to prove their existence and your ownership especially if worth a lot of money.
My recommendation remains log your collection and take a mass load of photos and most importantly make sure all your contents plus books are the total insured amount.

Posted on: 2012/2/21 14:30


Re: Insurance Appraisal
Home away from home
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Thanks for that, Khamul.

- wellinghall

Posted on: 2012/2/21 10:51


Re: Book availability
Shirrif
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Yeh, thanks Trotter, that was real helpful!

BH

Posted on: 2012/2/21 10:36
_________________
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...


Re: Insurance Appraisal
Shirrif
Joined:
2007/8/16 4:56
From Scotland
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Shirrif
Posts: 1762
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Note I merged this Wellinghall.

Hmm, I'm not sure. While I have no evidence either way (regarding books specifically) & don't want to test this suggestion --I don't see insurers asking for photographic evidence for anything else that is insured. High value electical items & gold/silver etc only require to be specifically named. They don't ask for receipts & photos before paying out.

BH

Posted on: 2012/2/21 10:34
_________________
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...



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