AA contents insurance

Lueeze · 2nd June 2006 09:59

Hi

Im trying to find a good insurer.

I have a diamond ring I need to insure on the policy as it is over £3000.

The AA quoted me £147.28. Thats a £50 excess. new for old, and accidental cover.

It semms good, but im not 100% sure, as there are SO many insurers out there.

Any one got any thought on this? Is the AA good, can i get better elsewhere?

Cheers Lou

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**surreyscouse** · 2nd June 2006 10:01

Hi Lou,

Does the £147.28 include your other contents or is that just the ring ?

Lueeze · 2nd June 2006 10:04

yeah everything including outside too like shrubs! Geez who would claiim for that!?

**surreyscouse** · 2nd June 2006 10:09

You'll be fine with this, won't get much cheaper than that. The AA have a small panel of insurers who they deal with who are all reputable. Did they give you the name of the insurer they will place the business with ?

Lueeze · 2nd June 2006 10:10

No it was online, as 15% discount.

If i call them can they tell me?

**surreyscouse** · 2nd June 2006 10:15

yeah, they are obliged to tell you anyway, it was probably on your quote online somewhere.

**craigwalton** · 5th June 2006 15:51

I would check that the ring is covered for accidental loss / theft away from the home. There are some insurers that will specify the ring on contents cover only unless asked, that does not include accidental loss, and from experience this is the most common claim made on a ring...

**sequenci** · 5th June 2006 16:26

have you tried virgin insurance, they are really good

**Risky1** · 2nd March 2008 16:37

Hi there,

Have you had it valued as if it comes time that you need to claim you need to ensure that you can prove that you have specified it at its true worth.

Make sure you have a pre loss valuation certificate as you will need this if you ever need to claim and want to be able to replace it on a true like for like basis.

So keep your valuation up to date and the AA quote seems good but ensure as previously mentioned it is fully covered for all possible mis haps and read the policy cover when you get it.

Worst thing is if you cant prove it was worth the amount you specified it for in the event of a claim and you wont be happy if you end up with a reduced or no claim

**Risky1** · 2nd March 2008 16:39

Meant ask have you added it to Personal Belongings specified cover also - may be worth asking

**Lula** · 2nd March 2008 16:40

Hi Risky, the original post was back in June 2006, the OP isnt a member anymore lol

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