A bit of an odd question, I'm afraid. I'm not sure how best to word it.
Basically, I have contents insurance through Endsleigh for my student accommodation. It covers my gadgets anywhere in the UK too. The sum of that insurance is £500, but I'm not quite sure what that means.
Does that mean I can pick and choose items up to the value of £500 which would be covered? Like, one laptop + one games console, or 100 CDs up to the value of £500? Or does it mean that I can have consoles, cameras, laptops, computers, phones, etc, and they'll pay out the first £500 (after excess has been paid) for all of this?
I ask because sometimes I'll be going away for weekends with my society doing hiking, walks, etc. I'll be taking my camera with me, but if it gets damaged, I want to know that it's covered. I don't want to have pre-determined specific items which get insurance and ones that do not. I am covered for "accidental damage or loss to laptop and portable electrical items anywhere in the UK" to the "sum of £500". Does that just mean that in any one claim, up to £500 of it is covered?
I didn't have my camera with me when I took out the policy, and I may review it now to cover it (as it's pretty expensive), but for the meantime, is all my stuff covered at once?
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Contents insurance? What's covered? watch
- Thread Starter
- 05-01-2013 18:42
- Community Assistant
- 05-01-2013 21:10
You need to read the policy. It'll explain in detail what is or isn't covered, and in what circumstances. Often there are limits for individual items, which it should explain.
Is the policy really only for contents worth £500? That doesn't seem like enough cover for all one person's stuff, to be honest...
- Thread Starter
- 05-01-2013 21:29
Well I can only access so much of the policy from home. I had the full booklet back at uni. I think it's £500 of gadget cover though. But it doesn't specify how much insurance is on top of that. As it's halls, they cover more things too, but I can't find a monetary limit for what is covered in that instance.