So, I lost my camera....should I claim on my household insurance???

[VanillaPumpkin]

Or will it put the premium up?

How does it work if I do claim?

Camera cost £250 about 4 years ago. Our excess is £50.
Obviously camera is outdated now. I am so fed up with myself. It had photos of dd1's first sports day on that I hadn't downloaded .

rign adn ask

our contents doesn't go up the first time in a year, but it does the second. i'd ring and ask, like the lady says.

hang on. that's no lady...

OK. Thanks.

oh, and commiserations for the lost photos...

Thanks . I am an idiot.

They will replace like for like so work out if its worth it - ie if camera can now be bought for £100 etc. They wont give you the original purchase price.

1 claim can load a household policy dependant on insurer.

Thanks. I am an idiot losing it. I loved the camera too actually, lovely solid leather case and battery that lasted forever....Ho hum

And also, what if you find that you REALLY need to claim for something, like make good for a burst pipe in the bathroom costing hundreds or thousand? Sometimes, if you have three claims in a 4-5 year period (like with my insurer) not only do they put the cover up, nobody else will ensure you so you cant switch insurer....