On 30/07/2010 18:16, Invisible Man wrote:
On 30/07/2010 17:21, Norman Wells wrote:
Invisible Man wrote:
On 30/07/2010 16:35, Norman Wells wrote:
Invisible Man wrote:

Have you ever claimed on your house insurance, I wonder? Mine's just
come up for renewal and I can't recall ever making a claim in 35
years except one in 1990 for a relatively small amount of damage
caused by a couple of ridge tiles being dislodged by high winds.

The house is unlikely to collapse or hit an aeroplane, so what's it
for exactly? What are the most common claims?

A very long time since I was involved in household business.
Theft
Burst pipes
Storm
Accidental damage - spills on carpets etc.
All risks - loss of jewellery, specs, dentures etc.
Fires caused by chip pans, smoking materials, electrics
underground pipes
accidental damage to sanitary fixtures etc.
Impact by vehicles
Flood
Malicious damage
subsidence
glass

I think I have personally had 1 claim for impact to a front wall and 2
for loss of specs

So, just one claim on house insurance and two minor ones on contents.
You've obviously made a substantial loss on premiums overall then, as I
have.

I'm thinking of not renewing mine (£300 quoted) as I think I'm
relatively low risk. You are too, so why do you pay to keep it going?



We pay £180. I am retired and don't have £1/4M+ to rebuild and replace
the contents. That is why we have house insurance, not for day to day
small losses.
Fire, lightning, storm, subsidence and impact can easily run into 5
figures. £180 is a small amount to pay for peace of mind. Contents
insurance usually includes personal liability insurance so if you poke
someone's eye out with an umbrella, injure someone with a non-motorised
bike etc the insurance company pays.
Going back to the original topic we have a Sony KDL-52Z4500 which at the
time cost £2100 from Digital Empire but I have not felt a need to take
out any guarantee or specific insurance on that.
....and we do use a $ky HD box and have it connected to the PC network
etc etc