My home and contents insurance is due for renewal and as M&S, who we were with last year, have just put their price up I was shopping around on Money Supermarket for a better quote.
I finally plumped for Sun Life, which was half the price (contents including 2 phones and an expensive laptop + buildings cover - £148). While I was talking to them on the phone I asked the awful question “is my drone covered”. The advisor had to go away and check and to my complete surprise came back and said yes it was covered. I asked if that was whilst I was using it and she said yes.
I will check again because I really don’t believe it but I’ll let you know if it is the case.
Just as I thought. The person I spoke to yesterday said that it would be classed as sporting goods and not covered whilst in use!
You’re all right about the increased premiums as well. I think the only time insurance comes int its own is in the case of a complete disaster. Definitely not worth claiming for a £500 phone.
Although, having said that, my boat sank in Poole Harbour in 2013 and despite paying out £13K, the company was happy to keep me as a customer with no increase in premium over the following years.