Site Search
Print Page Setup Profile Login
Section Image

Insurance on the track?

Submitted: Monday, Jun 02, 2008 at 11:42

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.

Click Image to Enlarge
Kids that fish and hunt do not steal and deal.
ThreadID: 58288 Replies: 6
Views: 474 FollowUps: 2
This Thread has been Archived
Thread Summary
Thread Watch Back To Forum Alert Moderator FAQ
AnswerID: 307340   Submitted: Monday, Jun 02, 2008 at 15:34

DIO replied:

What about the Insurer for your van?
Reply 1 of 6
FollowupID: 573232   Submitted: Monday, Jun 02, 2008 at 19:54

Member - Mal and Di (SA) posted:

The van is insured by RAA Insurance and they are not interested.
Thanks
M.

Click Image to Enlarge
Kids that fish and hunt do not steal and deal.
FollowUp 1 of 1
AnswerID: 307355   Submitted: Monday, Jun 02, 2008 at 17:14

colj replied:

Try dga or affinity brokers both are from VIC they have a range of options.
Reply 2 of 6
AnswerID: 307410   Submitted: Monday, Jun 02, 2008 at 22:31

WayneD replied:

Ah Insurance companies. I once had my car stolen and it had 3 sets of golf clubs in the back. Had the Car the House the Contents and my Life insurance all with the same company. They did not cover the clubs as they were not covered by car insurance, they were not covered by contents, cause they were in the car. Go figure!! Needless to say Im not with that company any longer!!
Reply 3 of 6
AnswerID: 307599   Submitted: Tuesday, Jun 03, 2008 at 21:03

neil&brenda replied:

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!
Reply 4 of 6
FollowupID: 573444   Submitted: Tuesday, Jun 03, 2008 at 21:27

Member - Mal and Di (SA) posted:

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.

Click Image to Enlarge
Kids that fish and hunt do not steal and deal.
FollowUp 1 of 1
Activities Index
Skydiving - Accelerated Freefall Skydiving - Accelerated Freefall
The Heartlands - WA
The Accelerated Free fall from 14,000ft is your first skydiving experience.
Gelato Sweet Tooth Sampling Workshop - Sydney Gelato Sweet Tooth Sampling Workshop - Sydney
Sydney - NSW
Do you have a sweet tooth? Love your gelato? Then this is the experience of a lifetime!
Sail Sydney Harbour- Sail Sydney Harbour-'Spirit' America's Cup Ya
Sydney - NSW
Hoist the sails, get behind the grinders and experience first hand, what it's like to sail a state-o
Gondola Ultimate Romantic Experience For Two Gondola Ultimate Romantic Experience For Two
Gold Coast - QLD
Designed to impress beyond expectations, this romantic Indulgence package includes transfers by stre
Book Now - Things To Do
AnswerID: 307600   Submitted: Tuesday, Jun 03, 2008 at 21:11

neil&brenda replied:

Do your tenants have their own insurance? Can you offer to pay the diff in premiums to cover your stuff? If no, you can say (if a claim is made) you were only away for a week! Sneaky stuff but maybe what is required (I used to work for an insurance co.) Do you have a lease agreement? With your contents still at home an obvious amount of trust is presumed toward the tenants. Otherwise you are facing moving your belongings out! Things to ponder!
Happy travels, see you there!
Reply 5 of 6
AnswerID: 308445   Submitted: Saturday, Jun 07, 2008 at 23:13

neil&brenda replied:

Had a contents insurance years ago thta covered all of the goodies you are concerned about. it was an extension to my home contents cover. Give AMP a call. No guarantees. Worth a shot. Cheers
Reply 6 of 6

 Page Sponsors

WAECO Pacific Pty Ltd WAECO Pacific Pty Ltd Premium Listing
Portable refrigeration provider WAECO, is celebrating 10 years in Australia in 2009. Established in high-technology headquarters in Germany 35 years ago, WAECO has developed a wide range of mobile technology for people on the move.
1 JOHN DUNCAN COURT   VARSITY LAKES, QLD, 4227
Phone: 1800 21 21 21
More info | Website | Driving Directions
ExplorOz ExplorOz
Become a Member of ExplorOz; buy or sell in Trader; buy Maps, Books, DVDs, camping accessories, and ExplorOz wheel covers, shirts, hats and stubby holders from the ExplorOz Shop; and book Activities &Tours or buy someone a gift certificate from our Activities section. Become an ExplorOz Member for just $60 in your first year, and $40 when you renew.
PO BOX 967  HILLARYS, WA, 6923
Phone: (08) 9403 3737
More info | Website