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

BH


I'm glad it was real helpful, when you quote and update the contents, it does not display in bold like I hoped it would, you can now see more easily my original response as I have edited my original post.

Posted on: 2012/2/22 5:59


Re: Insurance Appraisal
Home away from home
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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: 2012/2/21 23:09

(edited)


Re: The Wonders of eBay
Just can't stay away
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What would you do if you had a first edition, first impression of one of the most desirable books of 20th century literature, I speak of the UK first edition, first impression of J R R Tolkien's "The Return of the King" published by George Allen and Unwin in 1955 completed with map and internally complete and undamaged.

Would you like the previous owner chose to cover the book in sticky back plastic and even worse stick the plastic covering down to the pasteboards. I thought not. Nevertheless we must grit our teeth and say that whatever, it is an incredibly rare and sought after book. After the meteor strikes or the Iran launches its nuclear bomb two things will be unaffected, cockroaches and sticky back plastic.

Anyway I have taken scans of this book from every angle so it is revealed in all its horrors and glories but I am happy to take condition questions.


http://www.ebay.co.uk/itm/INCREDIBLY- ... m5d327a1e16#ht_500wt_1415


Posted on: 2012/2/21 15:35

(edited)


Re: Insurance Appraisal
Shirrif
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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)
_________________
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
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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



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