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| Thread ID: 37403 | 2003-09-06 06:13:00 | OT: Insurance (Contents) | csinclair83 (200) | Press F1 |
| Post ID | Timestamp | Content | User | ||
| 173390 | 2003-09-07 00:02:00 | cssinclair, u could always visit the web sites and get all the details. but you will probably find that most not all of the insurance companies are much of a muchness. I would go with AMI you can pay your premiums monthly with them, but some of the others what the whole amount at once |
Holy Cow (4475) | ||
| 173391 | 2003-09-07 01:10:00 | Haven't read the whole thread but here is what I suggest: Take photos of everything you own of value . Photograph every room, cupboards and drawers open, photograph storage areas . You can easily forget about items that have been taken and remember them way too late to claim (I speak from experience) . Update the photos regularly . Store them off site, too . Digital camera is awesome for this . Get serial numbers of all electronic items and email them to a friend off site . Keep as many receipts as you can for items you buy, but proving ownership is a lot easier if you have pics of your PC games, music CDs, DVDs, etc . robo . |
robo (205) | ||
| 173392 | 2003-09-07 06:54:00 | I suggest that you go to your library and find out if they have Consumer magazines. If so, they will probably only allow you to view them at the library, not take them away for reading, so ensure you have either coins for photocopying or a pad and paper to take notes. Ask for the issue with Home Contents Insurance and read their advice. An index of Consumer magazines is here: www.consumer.org.nz |
tommy (2826) | ||
| 173393 | 2003-09-07 07:51:00 | Hi CSinclair83 Slightly further OT but you mention your deafness and reliance on others receiving and dealing with your emails... the reson i came here with the insurance question is because i'm deaf, and at the moment i think u would know that some businesses dont even check their emails till the end of the working week...like telecom, they ask for 48 hours or more to get a reply back to u when the email is there in a millisecond flat and probably only needs 5 mins for a reply... Try this wee free program from www.firetrust.com It lets you know when the other person OPENS and READS your message. Even if they have the OE>>TOOLS>>OPTIONS>>RECEIPTS flagged to not send a receipt, it overrides it. When the recipient opens your message, you get a brief message as follows: --------------------------------------------- A mail message that you have sent has been opened by its recipient. Message to: "XXXXXXXXXX" <XXXXXXXXXX@xtra.co.nz> Subject: e-mail address Sent: 2003-09-04 10:59:38 UTC Received: 2003-09-06 21:29:39 UTC Elapsed time: 2 days, 10 hours, 30 minutes, 1 second ----------------------------------------------- I've been using it occasionally but plan to use it regularly. I know some will snarl about increasing traffic flow but it can be very reassuring. Scouse. |
Scouse (83) | ||
| 173394 | 2003-09-08 02:09:00 | Many will disagree, but have you considered talking to an insurance broker? My dad's one, previously worked for both General Accident and NZI since he emigrated to NZ in the 1960s. As far I know, the only time it costs you (above your premiums) is when you make a claim. And if you make a claim (especially if you're not familiar with the system, as it seems in your case), then having someone experienced dealing with the Insurance Company is worth the money. I wouldn't want to be accused of selling something here, so I won't put his email address here (although if anyone wants it, they can email me peterri@ihug.co.nz). Try a yellowpages search for insurance brokers, send a few e-mails and ask questions - I'm sure they will be happy to answer (and probably quicker than the insurance companies) any questions you have... Good luck |
Lizard (2409) | ||
| 173395 | 2003-09-08 03:46:00 | Hi Chris Apart from advising you that you are not covered if somebody with authorised access to your residence nicks your gear, nobody has mentioned the other key aspect to insurance that can trip up young players, namely taking proper care of your property. You have to provide a reasonably secure environment for the insured goods and claims can be declined if you have been negligent. For rexample, if you nipped out for 15 minutes and left the door unlocked so that the local opportunist could pop in and lift some portable items then the insurance company might not meet your claim. Claiming for theft can require evidence of unlawful entry, as many people leaving valuable goods in unlocked cars have found to their cost. No disrespect intended, but many young people have a fairly casual attitude to property security, I was in AK City recently and saw backpacks etc left lying around where anybody could pick them up and walk off, and when out at the airport recently I saw a traveller's pack left outside the main doors for over half an hour while the owner went off to find somebody. If it wasn't for the airport staff on the lookout for terrorists he might have had an unpleasant experience. Just be security minded and you will have no problems if you ever have the misfortune to need to claim against your insurance. Cheers Billy 8-{) :| |
Billy T (70) | ||
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