(Ah, I apologise if this is the wrong forum, I just noticed that the Healthcare forum is also 'Healthcare and Insurance' =)
I've been looking for decent contents insurance, at a rate that won't break the bank, and pretty much every company I've seen (from small/budget operators up through major banks) seems to be reviewed/rated abysmally. Specifically, it seems they all are very creative about getting out of claims or are otherwise impossible to deal with, after the 'taking your money' stage. Robbed and accidentally didn't screw in one of your window locks? Claim denied. Pipe burst and didn't mention that you have a tree within 5m of the house (even if the issue is unrelated)? Denied. And so on.
Are there any companies people would unequivocally recommend? At this point, I'm trying to decide whether the monetary loss would be greater between being robbed without insurance and being robbed and there being a decent chance of having the claim denied for some technicality.
As a slight aside for venting purposes, it's flabbergasting the type of things that they care about here for quotes. I've never been so confused as when trying to get a quote off of Confused.com. They seriously want me to itemize every tree within 5-15m of my flat, state their height, whether they're protected, etc. Half the insurance companies won't give me a quote, because I live in a mansion block and the roof is mostly flat. So what if the roof is a full four stories above my flat? And the sites that do give me a quote tend to charge in the rate of £300-600/year, which is significantly higher than what I was paying living in a much higher crime area in California. Oy!
Anyway, thanks for any insight. =)
