Quote:
Originally Posted by Milambar
Home and contents policies do NOT cover other persons property. I found this out when I had a bike stolen from a friends I was visiting. It was taken out of his garage, and the insurers wouldn't pay out, because it wasn't their property.
The only way you could insure a Virgin box, is as a named item, for which we'd have to give proof of its value. Which is impossible to do, because Virgin don't make that information publically available (to the best of my knowlege).
Therefore that term is impossible to comply with.
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Sorry but you are wrong.
Our home contents insurance covers our own items and "those for which you are legally responsible". Having checked, this is things like a company laptop or a rental TV.
Therefore, our V+ box is covered.
I guess in your example, the bike would not be something I was legally responsible for, so probably not covered. Having fallen foul of something similar a few years back when I had a company car broken into and my own belongings stolen, only to find the company didn't insure the contents, I now have "away from home" cover on my home policy.
It's down to the customer to make sure they are covered - don't blame Virgin or the insurance companies.