Contents Insurance - Personal
This is where your policy covers all those
personal items you take out and about with you. Your policy
will give you a definition of what it covers but
essentially, anything you could normally wear or carry when
you are outside of your home.
There are exclusions of course. The exclusions
will be similar to those that apply to the 'accidental damage'
part of your contents insurance.
You will find that if you have cover for your
personal possessions away from home this duplicates the
'baggage' cover provided by travel insurers. A claim on your
travel insurance policy will result in them asking about your
household contents cover and seeking 'contribution' from your
Your household policy will usually give you a
better settlement, especially if it is on a 'new for old'
basis. In fact you end up paying two premiums for the same
cover. The trouble is that nowadays when so much insurance is
purchased online there simply isn't the flexibility to pick and
choose which part of the policy you want and which you don't.
My advice is to shop around, you might still find it cheaper to
buy your insurances online and to duplicate part of the cover
than to go to a high street broker and buy the exact policies
that you want.
"It is my practice every year to turn off the water
at the beginning of the frost season and not to use
the lavatory again until the spring."
|Extracts taken from actual claim
forms submitted to
a number of UK car insurance companies