Sorry about this, Dave, but you have touched on a sore point---one of my hobby horses. Contents insurance. Actually probably all insurance. And the small print that goes into every policy. My own experience in Towyn/Kinmel Bay. In K Bay I had around nine commercial vehicles all ins 3rd party fire and theft. You've guessed it, no flood cover. Also a workshop and expensive equipment inside. No insurance because it was refused because of a flood danger, from a flash flood on the land, nothing to do with the sea. Never mind, I had my house in Towyn, well insured. I thought. Just one (of many) incedents when it came to the nitty, gritty matter of paying out. I had a nice, matching carpet in the hall, stairs and upstairs landing. Just by coincedence I happened to be in my house when the water started to seriously rise. So I grabbed the carpet and bundled it up around six or eight stairs out of harms way, but in the confusion later on that day it got kicked and it rolled down into the salt water. Ruined. So, months later, it came to the interview with insurers. Item:- new carpet, around £500. Oh, no, says the man. You've had it for 15 years, well used. Me: No, it was brand new, I only bought it six months ago. Man: you did'nt tell us. Me: I did'nt know I had to. Man: Oh, yes. Any single item worth more than 15 percent of the total value of contents has to be informed. See the small print. Where is my red pencil to delete this £500. End of story. P.S. And there were many, many similar ways in which the insurance worm managed to wriggle off the claimants hook.
