Home insurance to cover 50k watches and bags

[NikP]

Hi folks,

I know that this has been discussed but insurance products change often so... has anybody RECENTLY found a good reliable insurer that will insure 50k of watches and bags withing the home insurance? These items do not go over 5k each.

I am with Admiral but the do not cover bags more than 1k, etc..

Appreciate your help here.

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[A440]

I'd suggest giving Hiscox a call. They're good with high value items. Items under £15k don't have to be specified.

[TH14TH14]

You could try LV Home Plus. I don't have personal experience of claiming with them but they have good ratings. They should be able to cover what you need.

[liggy]

Have a look at M&S bank.

[NikP]

Thanks all, very useful. Will try them all for best quote.

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[andy tims]

NFU Mutual worth a try. Certainly OK regarding watches.

[jpjsavage]

Another vote for Hiscox.

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[Enoch]

M&S premier cover, covers any individual item up to £15k as long as the total of those items doesn’t exceed £50k

[SteveDSSD]

M&S premier cover, covers any individual item up to £15k as long as the total of those items doesn’t exceed £50k

As above and you don't have to specify the items, so it gives some flexibility if you move things in and out of your collection........ Of course it all depends on individual circumstances if £15k max per item and an overall valuables limit of £50k is right. I just renewed and the premium increased by 30% on last year but when I checked there was no comparable policy for less.

[NikP]

As above and you don't have to specify the items, so it gives some flexibility if you move things in and out of your collection........ Of course it all depends on individual circumstances if £15k max per item and an overall valuables limit of £50k is right. I just renewed and the premium increased by 30% on last year but when I checked there was no comparable policy for less.

Thanks

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[Berty234]

M&S is the most flexible out there if you stick to the limits. It is also cheap.

[michael.jaye]

As above and you don't have to specify the items, so it gives some flexibility if you move things in and out of your collection........ Of course it all depends on individual circumstances if £15k max per item and an overall valuables limit of £50k is right. I just renewed and the premium increased by 30% on last year but when I checked there was no comparable policy for less.

That makes me feel better about my renewal with m&s, only went up 20%!

Another vote for m&s, agreed not having to specify items is a big plus.


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[stefmcd]

Another point could be that I wasn't covering for watches outside the house. If you have such cover, I could see the safe issue being irrelevant.

[mmgg1988]

That might be it then as I included cover for items away from the home which could alter the requirements.

[Berty234]

I can’t find a safe requirement from a quick look. Where was it mentioned stefmcd?

[stefmcd]

I can’t find a safe requirement from a quick look. Where was it mentioned stefmcd?

It came up as a clause when I was renewing and put all my watch details in. I originally went with them 3 years ago because they had more generous limits on total value.

I can't mind if it was on the comparison site or m and s site. Can't even mind if m and s are on a comparison site! So many renewals to deal with nowadays.

Not sure if this clause was a value thing, a cover thing or an area thing. It was enough to make me look elsewhere.

I ended up with intelligent insurance.

[j111dja]

It came up as a clause when I was renewing and put all my watch details in. I originally went with them 3 years ago because they had more generous limits on total value.

I can't mind if it was on the comparison site or m and s site. Can't even mind if m and s are on a comparison site! So many renewals to deal with nowadays.

Not sure if this clause was a value thing, a cover thing or an area thing. It was enough to make me look elsewhere.

I ended up with intelligent insurance.

I don't think M&S are on comparison websites. It's just their own site.

M&S contents insurance (and probably all their home insurance policies) are underwritten by Aviva.

I went on the Aviva website to compare their offer with M&S and they couldn't match it!

You have to commend the negotiations M&S have made to get this cover from their underwriter, Aviva. It's impressive to say the least.

[NikP]

Thanks all, I went for M&S content. Slightly more expensive but as you all (or most) vouched for, very easy and straightforward.

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[Dave O'Sullivan]

T H March are good. Pricey. But good.

[jk103]

Best insurance

[RajLondon]

Those of you who have safety deposit boxes, do you take separate insurance to cover the items held there?

[watchlovr]

Those of you who have safety deposit boxes, do you take separate insurance to cover the items held there?

The same insurance policy covers mine.
(Home contents)

[wileeeeeey]

No separate insurance but since the Metro bank opening hour change I’ve moved my stuff to a different branch.