DIYbanter - View Single Post - To anyone thinking of buying a cheap house with some 'issues'

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wrote:
I had a burglary within a week of moving to a new house. I had
buildings insurance from the moment of ownership - but had only
arranged contents insurance over the phone - I hadn't actually posted
the cheque.

at the moment of acceptance you're 'on risk' (subject to t's n c's)

The insurance company (Standard Life) honoured the verbal contract made
over the phone and paid out without quibbling (and I was perfectly
clear with them that the cheque hadn't been posted at the time of the
burglary).

quite right although I'm shocked that the ins co. didn't try to worm
out of it's responsibilities by pointing out that moving a lot of boxes
into a property is advertising items for theft hence aiding and abetting
the thief. claim denied.