Contents insurance as a licencee

quietsailor

I'm hoping someone will have taken out insurance as a licencee and can help here.

I'm renting a room from a friend - all legal and above board through the rent-a-room scheme. Today I was onto my insurance broker about insuring my belongings and she said after talking to a few companies as a licencee it can't be done.

This has both her and me amazed but the 2 companies were adamant they don't insure licencees

So my question is anyone on here a licencee that has gotten their belongings insured. Could you let me know the insurer and the name of the policy please.

MarkAnthony

What are you looking to insure?

There are various specialist insurance companies that will cover gadgets for example. Jewelry can be similarly covered. Unless you're a clothes horse would that no cover it off?

quietsailor

I get what your saying and thank you for replying but I'd rather have one overall policy than several small ones.th have the phone insured on gadget insurance, the pc would be a second, etc etc. It's just messy with different premiums to remember to pay.

MarkAnthony

quietsailor wrote: »

I get what your saying and thank you for replying but I'd rather have one overall policy than several small ones.th have the phone insured on gadget insurance, the pc would be a second, etc etc. It's just messy with different premiums to remember to pay.

Direct Debit FTW.

I can't see many insurance companies doing this on the basis that the householder probably has contents insurance and would result in items being double insured and possibly a double claim.

Is there no way to ask the householder to increase their contents insurance and you pay the difference?

wench

MarkAnthony wrote: »

Direct Debit FTW.

I can't see many insurance companies doing this on the basis that the householder probably has contents insurance and would result in items being double insured and possibly a double claim.

Is there no way to ask the householder to increase their contents insurance and you pay the difference?

The householder can't insure the OP's belongings, as they would have no insurable interest in them.

quietsailor

MarkAnthony wrote: »

Direct Debit FTW.

I can't see many insurance companies doing this on the basis that the householder probably has contents insurance and would result in items being double insured and possibly a double claim.

Is there no way to ask the householder to increase their contents insurance and you pay the difference?

It can't be double insured as my friend has no insurable interest in my belongings and I in his. I'd even be willing to send in serial numbers of all the equipment but the companies don't care!

Does this mean that people sharing houses or flats can't get insurance either???

Edit: wench beat me to it - thank you :-)

MarkAnthony

wench wrote: »

The householder can't insure the OP's belongings, as they would have no insurable interest in them.

How do you think two co-habitees get contents insurance?

quietsailor wrote: »

It can't be double insured as my friend has no insurable interest in my belongings and I in his. I'd even be willing to send in serial numbers of all the equipment but the companies don't care!

Does this mean that people sharing houses or flats can't get insurance either???

Edit: wench beat me to it - thank you :-)

As above no, of course it doesn't.

MarkAnthony

Sorry to be clearer you may have to have your name added to the policy also. If the LL is refusing to do that I'm afraid you're going to have a hard time of it. A quick google seems to suggest some brokers will do it.