Burnt!

[Snoopy]

Many books are irreplacable but only have a value to you and the insurers are not going to believe you anyway.

Go for a flat £500K cover on contents (new for old if you can) and nominate only particularly valuable items. Start on about books and they will want to know about age, condition, first editions etc and you'll be paying a fortune for something you do not need.   

[Nick]

I have just been asked how much it will cost to replace all my clothes.I estimated about £2.50.

I got a "look"

SHe is taking all this a bit pedantically

[Nick]

Many books are irreplacable but only have a value to you and the insurers are not going to believe you anyway.

Go for a flat £500K cover on contents (new for old if you can) and nominate only particularly valuable items. Start on about books and they will want to know about age, condition, first editions etc and you'll be paying a fortune for something you do not need.   

You tell her this. I shall watch from a safe distance.Through a telescope

[Snoopy]

Unless you are planning to buy your insurance via a specialist broker, who will place it with individual underwriters at Lloyds, she is wasting her time.
All major companies offer a flat rate deal depending on previous claims history, post code and amount of cover required.
It doesn't need a full audit to walk round the house and guestimate the replacement costs of your furniture and personal possessions. You are right ~ the woman is mad! She is just wasting time and probably spending twice as much as she needs to.
Phone Liverpool Victoria and get a quote in two minutes. Accept it and pay over the 'phone. Then tell her to do something useful as you have already sorted the insurance  

[Barman]

I’d have thought chez Nick was uninsurable anyway… 

[Snoopy]

I’d have thought chez Nick was uninsurable anyway… 

Nothing is uninsurable ~ if you are prepared to pay enough 

[Nick]

Unless you are planning to buy your insurance via a specialist broker, who will place it with individual underwriters at Lloyds, she is wasting her time.
All major companies offer a flat rate deal depending on previous claims history, post code and amount of cover required.
It doesn't need a full audit to walk round the house and guestimate the replacement costs of your furniture and personal possessions. You are right ~ the woman is mad! She is just wasting time and probably spending twice as much as she needs to.
Phone Liverpool Victoria and get a quote in two minutes. Accept it and pay over the 'phone. Then tell her to do something useful as you have already sorted the insurance  

it's a specialist insurance company for, um, historic and listed buildings

And by accident we seem to be drifting back on topic

[Barman]

Unless you are planning to buy your insurance via a specialist broker, who will place it with individual underwriters at Lloyds, she is wasting her time.
All major companies offer a flat rate deal depending on previous claims history, post code and amount of cover required.
It doesn't need a full audit to walk round the house and guestimate the replacement costs of your furniture and personal possessions. You are right ~ the woman is mad! She is just wasting time and probably spending twice as much as she needs to.
Phone Liverpool Victoria and get a quote in two minutes. Accept it and pay over the 'phone. Then tell her to do something useful as you have already sorted the insurance 

It's a specialist insurance company for, um, historic and listed buildings with great big 'oles int' roof...

[Nick]

Wiht virtually no roof at present!

[Snoopy]

Unless you are planning to buy your insurance via a specialist broker, who will place it with individual underwriters at Lloyds, she is wasting her time.
All major companies offer a flat rate deal depending on previous claims history, post code and amount of cover required.
It doesn't need a full audit to walk round the house and guestimate the replacement costs of your furniture and personal possessions. You are right ~ the woman is mad! She is just wasting time and probably spending twice as much as she needs to.
Phone Liverpool Victoria and get a quote in two minutes. Accept it and pay over the 'phone. Then tell her to do something useful as you have already sorted the insurance  

it's a specialist insurance company for, um, historic and listed buildings

And by accident we seem to be drifting back on topic

Take your point but does that have to include contents? Your underwear (see previous discussions) may be old but I doubt it is listed.

[Nick]

I think Mrs Nick's Catholic upbringing has given her an exaggerated respect for "authority" (mine excepted). SHe is also naturally pedantic.

Lethal combination

And some of my underpants are old enough to get listed statuss. I may leave them to the V&A

[Snoopy]

I begin to see your problem.
Because someone at the Council said it must be so ~ it must be so. Doesn't she realise that these idiots making the rules are paid peanuts because they are monkeys. Silly question ~ sorry ~ obviously she doesn't. I 'spect she believes all doctors know what they are talking about and that all policemen are honest 

[Just One More]

I have just been asked how much it will cost to replace all my clothes.I estimated about £2.50.

Flash git! 

[Nick]

I have just pointed out to SWMBO that we don't need £10000000 of cover for our "domestic servants".

Shis is phoning the male Tracy

[Snoopy]