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darcyleverfc

Home Contents Insurance help

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Can someone please explain this to me in English ...... It's regarding home contents I don't get it

 

"where the sum insured represents less than 60% of the value at risk we will obtain a full statement to

establish how this has arisen. We may choose to reject the claim and regard your policy as invalid"

 

I have home contents insurance all together with my insurance at

£13,500

High risk Items at

£1,500

 

Overall contents in the house is around £6k with £1,300 High risk included.

 

I just need to know what that means in the policy book as I dont get it

 

Thanks

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If the value of your contents was £10,000 but you insured for less than £6,000 the insurance company would be asking some serious questions about why you were so badly under insured, and if they thought it had been done deliberately to keep the premium low for example, they might void your policy and refuse to pay any claims.

 

If your sum insured is equal to or greater than the value of your house contents, you have nothing to worry about.


RMW

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