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Thread: Insurance & Securing toys - tips, questions and options (browse whole topic)

  1. #61
    Join Date
    16th Jul 2008
    Location
    Melb
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    3,785

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    Has anyone here actually had a successful claim for loss of part or all of their collection?

  2. #62
    Join Date
    30th May 2011
    Location
    Townsville
    Posts
    1,568

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    Having gone through a major insurance claim last year I have some idea here, the Insurance company pretty much just rolled with what I gave as an example of replacement value, so in the case of a G1 collection if you have some up to date photos of what you lost and use e-bay sold pricing as a market value guide they would most likely go with that. I was really surprised how they didn't question my comparable items for a new bunk bed, picture frames, computer desk etc, I put in a fair bit of time and effort with the details I used, pictures, various stores and comparing old to new etc.
    My insurance for contents is set up so that if the entire house burnt to the ground then that would cover everything inside it. Some companies want separate bits in the policy for jewelry or collections, and yes I may be in a spot of bother if my collection were stolen, but I am comfortable in knowing my house is extremely secure, the room the collection is in is one of the most cyclone resistant in the house and I know with a total loss claim the amount covered is right.
    The later it gets, the less sense I will make (usually anything beyond 19:30 Qld time).

  3. #63
    Join Date
    16th Jul 2008
    Location
    Melb
    Posts
    3,785

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    ^Well now you have to tell us who your insurer is.

  4. #64
    Join Date
    30th May 2011
    Location
    Townsville
    Posts
    1,568

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    Suncorp, they have been great for the two claims that we have made in the 11 years we have had our house insurance. Reasonably priced considering we live in a cyclone area; and after the widespread flooding from last year and the two claims in that time the premium only went up by 13%. I think that is a fair and reasonable price increase all things considered.
    The later it gets, the less sense I will make (usually anything beyond 19:30 Qld time).

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