Insurance on the track?
Submitted: Monday, Jun 02, 2008 at 11:42
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Member - Mal and Di (SA)
Last year we were away for 3 months and in that time we rented the
home. In doing so I changed from
Home Policy to Landlord Policy.
Now all worked out real good and when we got
home I changed back to normal
home policy.
HOWEVER! I now realise that the landlord policy did not cover our personal valuables jewelry laptop etc we had with us. We winged it, and were lucky.
I have contacted my insurance CGU and also RAA insurance asking if they will provide a policy that will cover personal items in this situation and both said NO.
They suggested that I contact an insurance broker who may have a larger range of products.
As we will be away for 5 months this year has anybody out there had any similar experience in this area?
Thanks
M.
Reply By: neil&brenda - Tuesday, Jun 03, 2008 at 21:03
Tuesday, Jun 03, 2008 at 21:03
Do the people that you are renting out to have their own contents and insurance? You could offer to pay the difference in premiums to the tenants to cover your contents? You could always say you were only away for a week (if there was a claim) and the people were
house sitting! All sneaky solutions, but ways around the insurance companies (I used to work for one). Do you have a formal lease arrangement? Obviously, to leave your contents, there is an element of trust involved. All questions that would need to be answered before a solution could be formulated.
Good luck with your travels, see you there!
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Follow Up By: Member - Mal and Di (SA) - Tuesday, Jun 03, 2008 at 21:27
Tuesday, Jun 03, 2008 at 21:27
Thanks for your input.
I don't have any real worries about the stuff left behind as the Land lord policy should cover that, the problem I have is how can I cover the personal items such as jewelry, camera, laptop etc which will be in the caravan , car or on us.
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