DeadWalk
13-07-2009, 21:20
I'm looking at changing my buildings and contents insurance and Swinton Insurance seem to offer a very competative quote, but in their guide to the 'Contents' section (Page 12) the following stuck out like a sore thumb:
WE WILL PAY FOR:
13. Audio, Visual and Computer Equipment Accidental damage: while in the home to television, audio or video equipment, DVD players, digital set-top boxes, games consoles, personal desk top computers and computer equipment;
to receiving aerials, satellite receiving equipment and masts fixed to the home.
WE WILL NOT PAY FOR:
13. Damage to: CDs, DVDs, audio, video or computer discs, tapes or cassettes;
camcorders, video cameras, cameras, hand-held electronic games or toys, mobile phones or portable audio/visual media players;
computers or computer equipment designed to be portable.
Loss or damage caused: while the home is unoccupied or unfurnished;
by computer viruses;
by pets.
The cost of remaking any film, disc or tape, or the value of any information contained on it or recovering any digitally-held media.
Loss or damage to items in the open (except for receiving aerials, satellite receiving equipment and masts fixed to the home).
https://quote.swinton.co.uk/internet/home/SystemText/home_policy_wording.pdf.cdoc?brand=1&product=Home
Now, upon reading this, I came to the conclusion that if I'm burgled and my dvd collection is stolen I can make a claim but if my collection is damaged in some way (lets say by fire) then I can't claim. Is that right?
If that is right, then can anyone recommend a company with decent premiums that DOES insure ones dvd collection?
WE WILL PAY FOR:
13. Audio, Visual and Computer Equipment Accidental damage: while in the home to television, audio or video equipment, DVD players, digital set-top boxes, games consoles, personal desk top computers and computer equipment;
to receiving aerials, satellite receiving equipment and masts fixed to the home.
WE WILL NOT PAY FOR:
13. Damage to: CDs, DVDs, audio, video or computer discs, tapes or cassettes;
camcorders, video cameras, cameras, hand-held electronic games or toys, mobile phones or portable audio/visual media players;
computers or computer equipment designed to be portable.
Loss or damage caused: while the home is unoccupied or unfurnished;
by computer viruses;
by pets.
The cost of remaking any film, disc or tape, or the value of any information contained on it or recovering any digitally-held media.
Loss or damage to items in the open (except for receiving aerials, satellite receiving equipment and masts fixed to the home).
https://quote.swinton.co.uk/internet/home/SystemText/home_policy_wording.pdf.cdoc?brand=1&product=Home
Now, upon reading this, I came to the conclusion that if I'm burgled and my dvd collection is stolen I can make a claim but if my collection is damaged in some way (lets say by fire) then I can't claim. Is that right?
If that is right, then can anyone recommend a company with decent premiums that DOES insure ones dvd collection?