home and contents insurance , long stay from home?
Roving-Dutchy said
04:56 PM Apr 30, 2013
Different companies have different rules, read your policy document and see what it states or ring your insurer and enquire.
In our case it is 90 days but can be extended with certain proviso's Cheers David
-- Edited by Roving-Dutchy on Tuesday 30th of April 2013 04:58:12 PM
chaslib said
06:29 PM Apr 30, 2013
I am sure most of us know this, provided you have advised and spoken with your insurer and complied with the policy conditions, your policy would not necessirily be voided if you are away in excess of 90 Days (check your wording as some companies are 60 days). Each company has different conditions. What ever they tell you, get them to confirm in writing - that could be the difference between a claim accepted or denied. Insurance companies are in business to make money, and they will scrutinize a claim and deny it if conditions are not met.
Some companies impose an additional premium and some just increase the excess for certain events, ie break and enter or malicious damage, it may just be a case of having friends or family stay at your home for a couple of days each month or a house sitter,. Make sure your mail, papers, etc are collected and put your lights on an auto Switch so the property does not appear to be unoccupied, and make sure the grounds are kept tidy.
yes, I do have a background in the insurance industry, so, make sure you speak with your insurer, as someone has already said, each company has different conditions. the best advice is to get them to confirm what they tell you in writing!
Cheers
-- Edited by chaslib on Tuesday 30th of April 2013 06:48:53 PM
milo said
11:34 PM Apr 30, 2013
hi I recently read some where that if you are away for more than six weeks the insurance
companies can void your insurance or something like that, is this true???
petengail said
12:59 AM May 1, 2013
When we go away on our extended winter break, usually over 90 days, we have to advise our insurer (NRMA), and also have to pay a small premium.
Onedodger said
10:03 PM May 1, 2013
Our Policies are with the NRMA and all we do is Inform them at the local office where they note it.
As we have a back to base alarm system that is monitored all the time there so far has been no additional cost.
Different companies have different rules, read your policy document and see what it states or ring your insurer and enquire.
In our case it is 90 days but can be extended with certain proviso's
Cheers
David
-- Edited by Roving-Dutchy on Tuesday 30th of April 2013 04:58:12 PM
I am sure most of us know this, provided you have advised and spoken with your insurer and complied with the policy conditions, your policy would not necessirily be voided if you are away in excess of 90 Days (check your wording as some companies are 60 days). Each company has different conditions. What ever they tell you, get them to confirm in writing - that could be the difference between a claim accepted or denied. Insurance companies are in business to make money, and they will scrutinize a claim and deny it if conditions are not met.
Some companies impose an additional premium and some just increase the excess for certain events, ie break and enter or malicious damage, it may just be a case of having friends or family stay at your home for a couple of days each month or a house sitter,. Make sure your mail, papers, etc are collected and put your lights on an auto Switch so the property does not appear to be unoccupied, and make sure the grounds are kept tidy.
yes, I do have a background in the insurance industry, so, make sure you speak with your insurer, as someone has already said, each company has different conditions. the best advice is to get them to confirm what they tell you in writing!
Cheers
-- Edited by chaslib on Tuesday 30th of April 2013 06:48:53 PM
hi I recently read some where that if you are away for more than six weeks the insurance
companies can void your insurance or something like that, is this true???
Our Policies are with the NRMA and all we do is Inform them at the local office where they note it.
As we have a back to base alarm system that is monitored all the time there so far has been no additional cost.