Contents Insurance, I’m posing a question

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Contents Insurance, I’m posing a question

A few weeks ago we were broken in to. Just in to our garage. I have a LOT of stuff in there as I am storing things I didn’t unpacked when we moved here while we build our new house.

The buggers took some stuff. Not important-can’t-live-without stuff, but still it was OUR stuff.

We’ve been trying to claim some of it on our contents insurance. We’ve always paid it and when we were broken in to I made my husband ring and double it, because I was frightened they’d come back.

Anyway, in the midst of trying to make some claims we’ve been having dramas with the insurance company (as you do).

It’s all about the receipts. They won’t pay anything without a receipt. I get it, I really do, but at the same time I’m annoyed.

I mean, how many of you keep receipts for EVERYTHING? And what if it was a gift? Well, there is no receipt there.

What if they took clothes, shoes, lamps, whatever… I don’t think we’d all have the receipts for everything!

Lucky the big ticket item we’re trying to claim has a receipt, but some other stuff doesn’t.

My question to you is (and to the insurance companies), if you get broken in to and you don’t have a receipt, then what will you do?

What if you’ve had that tv for 5 years and there is no receipt?

I have heard of people taking photos of each room in their house and printing them off with a date stamp on it.

Do you do this? Because I am seriously thinking about doing this.

I pay my insurance and would like to think that if I came home one day and my house was cleaned out that I’d be able to put a claim in and everything would be ok.

What do you do? I’d love to hear!

About the author
Lover of interior design, indoor plants, essential oils, low tox cleaning. Living with Crohn’s disease & colostomy bag. Mum to 3 boys.

41 Comments

  1. OMG! What a shock. I’m so sorry that you have been the unfortunate target of a robbery but more so that your insurance claim has added to the stress. It’s just not right. I need to make a claim for a lost piece of jewelry….I’m hoping I will not be dealt the same inquisition, though i do have the receipt. Putting an photo inventory on the ‘to do list’ now! Good luck with resolving your claim,
    x KL

  2. Far out, that’s horrible, you poor things 🙁

    I have no idea whether we would need to provide receipts and too be honest, I’d be asking them to show you exactly where it says that’s a requirement in their Product Disclosure Statement.

    you’d be surprised how many different opinions you hear from staff – most seem to be guessing answers instead of looking them up correctly. Don’t get me wrong – some are fantastic, but in my experience, people can rarely back up what they are saying with actual policy – so I’d be checking it out more and speaking to someone higher up xx

  3. That’s horrible Katrina! I keep a box of receipts but after a year, I usually have a good chuck out and as Sarah said above, half of them have faded by then anyway. Perhaps the photo option is a good idea – wouldn’t take long and then you’d have a record of sorts of your stuff… I must do that myself!

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