Cornhill Home Insurance

[clint1974]

Hi All

Just a bit of advice really i was after. My dad has his home insurance with Cornhill, his shed was broken into recently and he claimed on the policy. However my £300 Mountain bike was in there as i was moving house and there assesor is trying to say i should claim on my policy for that as it won't be covered. Now one, i see that as utter papp! As if i was to mount a claim my insurance company would simply say it was not at the property so therefore isnt covered. If he had just said it was his they would of payed.

[callumsgran]

Get him to read through his policy thoroughly, usually things valued over a certain amount arent covered unless you've specified them!

[clint1974]

I will do! But there argument doesn't stand up as it's only the fact the bike is mine and my dad was being honest. If he had just said it was his then we wouldnt have the problem! But what there advising is just utterly ridiculous as how could i claim on my house insurance for something that was stolen from somewhere else?!

Hi, Ive just gone through a couple of claims on my insurances,so ive been reading up a bit it shouldn't matter who the item belongs too, its your fathers property and therefore insured under his policy, u might have kept ur bike there permanently.
see if hes covered for outbuildings etc, £300 isn't a large amount, but if still got trouble see if u have personal belongings away from home cover on ur insurance as this could be covered also. BUT some insurers insist on seperate cover for bikes, so its best to read both ur fathers and ur own cover before continuing, and check if there are any exclusions on the policy for some one elses property held at their home.

best of luck

colliers

[craigwalton]

Sorry, you dont have a leg to stand on.

Your fathers contents insurance covers the his contents and the contents of his household. As you are living somewhere else, you cannot be classed as a member of the household. The only way you would be able to get the money for the mountain bike via his insurers is if he was negligent, ie leaving the shed unlocked, etc and you sued him.

If you look on your own insurance, you should have a section "Contents Temporarily removed from the house", this might provide cover, but you would need to check the policy wording for any exclusions.

If you have personal possessions cover, or Contents away from the home, then youre covered!