- Messages
- 905
- Name
- Gordon
- Edit My Images
- Yes
Today I contacted my home insurer to see if they would cover my 600mm lens and new camera. I was not bothered if they did not as I was happy to go through a specialist photographic insurer but as they cover some of my other equipment I thought I would give them a try.
The conversation did not go well, after a lot of back and forth between the operator and the underwriter and lots of questions about my home security, which I answered honestly, and which they already knew as they have been insuring me for years they turned down the extra cover. No problem I said i will just insure those items elsewhere. The response to that was not what I expected at all, they said we are cancelling your home insurance totally in one week as even if we don't cover these items they are still in your home and increase the risk of a burglary. To say I was shocked and annoyed is an understatement, as much as I protested that the level of cover was not being increased nor the security of the home (alarms, locks etc) decreased the would not back down and my home cover now ends in 7 days time with a pro rata refund.
I have contacted another insurer, Direct line, who were very helpful and look like they will cover my building, contents, and photographic equipment (at home and away) including accidental damage. The final cost will be confirmed tomorrow but they have made much less of a drama out of it than the other company who I have been with for years and have never had a claim. Thank goodness for common sense.
The conversation did not go well, after a lot of back and forth between the operator and the underwriter and lots of questions about my home security, which I answered honestly, and which they already knew as they have been insuring me for years they turned down the extra cover. No problem I said i will just insure those items elsewhere. The response to that was not what I expected at all, they said we are cancelling your home insurance totally in one week as even if we don't cover these items they are still in your home and increase the risk of a burglary. To say I was shocked and annoyed is an understatement, as much as I protested that the level of cover was not being increased nor the security of the home (alarms, locks etc) decreased the would not back down and my home cover now ends in 7 days time with a pro rata refund.
I have contacted another insurer, Direct line, who were very helpful and look like they will cover my building, contents, and photographic equipment (at home and away) including accidental damage. The final cost will be confirmed tomorrow but they have made much less of a drama out of it than the other company who I have been with for years and have never had a claim. Thank goodness for common sense.