Tenants insurance

[Whatdowehaveherethen]

We moved in 2 years ago, one of the terms was that we took out insurance to cover the landlords contents. A few months ago I realised that the insurance included our contents too.

My bike was stolen last week from our locked garden.

When I took out the insurance there was nothing about providing a list of our contents. I've never down it before so it never occurred to me. I realise now that my bike would have been covered it we done so.

I'm paying double what is necessary to cover absolutely nothing. There is no option to give a list of contents. I'm with Homelet by the way. Is it worth my cancelling that part of the insurance given that I can't use it? The landlords property would still be insured. I feel like I'm throwing money away!

[dementedpixie]

Did you try to make a claim?

[Bikingbear]

I'd try making a claim. Worse thing that can happen is they say No.

[TakemedowntoPotatoCity]

I think your landlord is a cheeky bugger, asking you to pay to insure HIS stuff! I've never heard of this before!

[dementedpixie]

Googling suggests that it covers the contents of the tenant plus accidental damage for items belonging to the landlord e.g. fixtures and fittings, furniture, etc

homelet.co.uk/tenants/tenants-insurance-quote?asn=1518064&gclid=EAIaIQobChMIxcnqsZ-K7AIVSebtCh0YcQM9EAAYASACEgL3wvD_BwE

[Whatdowehaveherethen]

I haven't tried to make a claim, no. All research suggests it would be pointless because our contents aren't listed. The landlords items are.

@TakemedowntoPotatoCity it is shit indeed. We've been here 2 years and I've pretty much paid for the items listed. It doesn't make sense to me at all but it was the only house available when we needed it (in a good condition).

[Whatdowehaveherethen]

@dementedpixie that's what I gathered however we have no contents according to the insurer and there isn't a way of adding them.

[Pipandmum]

I insure my contents at the two properties I let furnished and my items are not itemized. My own house insurance asks to put value on paintings and jewelry as a separate amount but not individual pieces (though I would if I had a particularly expensive item).
I do not understand how you can pay for the insurance but have no opportunity to itemise your own property. And unless your bike was very viable it is probably under your excess anyway.
Regardless call the insurance company and ask for clarification.

[dementedpixie]

My property isn't itemised for my insurance. You'd normally only itemise high value items and not all insurers ask for those details. Try making a claim, what have you got to lose?