[bond]

HI All

I know this has been discussed many times before but here goes again !


My insurance is due and it's about time i put my prints on the policy.

In most people's experience is it cheaper to have a separate policy with a specialist ( if so who ? ) or can any of you kind souls recommend a good company that is not going to make me personally pay for the flood damage in the U.K !

Thanks in advance.

[manchestermike]

We'll all pay for the flood damage

What I don't get is why we all have to pay for that, yet if I live in a dodgy area the cost of my car insurance isn't spread over everyone

Bah

[Aza]

hiscox
www.hiscox.com/ViewCMSPage.aspx?pageID=b525f370-59d0-4825-bcde-4d974c9ab741

Dont ask me any questions as I am not set up with them yet.
They come highly recommended and i will be switching to them

[bond]

Thanks a lot , no questions asked

[Andy'77]

I've just put mine on the normal house insurance with Abbey and included accidental damage incase a frame falls off the wall. Wasn't too expensive really.

Had to give details of anything worth over £1000 which made it fun trying to explain some of the prints to the girl on the phone:
it's a picture of some angels on a cloud and they've all got machine guns or it's a picture of two grannies knitting jumpers.

[stuey09]

Have a chat with your company bond. I managed to get mine on at no extra cost, which shocked me. Well worth a go.

[brainthedog]

stuey09 said:

Have a chat with your company bond. I managed to get mine on at no extra cost, which shocked me. Well worth a go.

trust me you're paying it through your normal policy. my dad was in the insurance business and they definitely get theirs. the commissions on the premiums are more than flipping neates!

[mcnuts]

ejvaze said:

I am looking into this at the moment and contacted Hiscox's but have been told it will be much cheaper insuring my prints as itemised items on my ordinary household policy.

However I have been told to keep the valuation up to date.
Difficult in this climate but I suppose you have to just keep looking at the values every 3 to 4 months and if there are any really big jumps in amend prices accordingly.

whats wrong with your eye?

[Harveyn]

I used Lloyds for contents insurance with additional accidental damage. They cover any unnamed item up to £8k and to a maximium of a 3rd of the total contents coverage. For instance £90k contents coverage gets you £30k coverage on items that are classified as high risk. So if they deem you art accessible from a theft perspective your covered up to £30k otherwise you have coverage up to £90k. Sgould cost you £25 to £30 a month.

[mcnuts]

ejvaze said:

Whats wrong with my eye?

Cheeky

Just giving you the wink ;D

thought so

[bond]

cheers everyone - i am with the AA and they require anything over £ 1500 to be named.

I've so far been quoted an extra £ 250 on my annual premium.

[bond]

One last question .

I apparently need to produce a valuation. Admittedly i've not asked the insurance co what format they need but was wondering in people's experience has anyone had to do the same thing ? and if so what did you do ?

thanks again !