Norwich Union is notorious for quoting small print that most people can't even see! But, truly, you should look at the small print in detail particularly when it deals with 'sets', 'working units', 'linked equipment' and the like. Some insurance companies are better than others for different things.
Not relevant to this particular subject but some companies will regard series of books (e.g. New Naturalist series) as *one* item when/if they pay out on damage. Others treat an 'item' as most of us would ( a book is a book is a book!).
And *always* get three or four quotes noting the peculiar items - do they need notifying separately, do they incur a premium separately or as a group, do you need to provide written documentation of their value, is there a maximum claim? An obvious thing, which many people overlook, is to ask whether you're going to be refunded market value or replacement value for anything you lose ....
Sleep well .....
PS: As I mentioned before, if you're over 50, go for Saga - or, if you find someone better, please let me know!
Quote:
Originally Posted by colincurry  On the advice of my daughter, who worked for an insurance broker for many years, I have costed all my equipment and raised the sum insured to more than cover this total. This is part of my contents insurance. The max on each item is £1500 but I will check out the point about the small print and the need to itemise everything.
She also made the point that I should include items such as watches, rucksack, glasses, specialist clothing and mobile phone within the overall total. The company is Norwich Union.
Colin |