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property insurance should we bother or jus do contents

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basheer



Joined: 22/12/2008
Posts: 949

Message Posted:
05/10/2010 19:18

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Message 1 of 13 in Discussion

just wondered if its worth the cost, I pay 205 a year now which includes contents

is it worth the risk if I just do the contents?

just wonder how many of us here bother to insure the property or both



basheer



Joined: 22/12/2008
Posts: 949

Message Posted:
05/10/2010 19:20

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Message 2 of 13 in Discussion

same with the car insurance 05 model ,last year paid 298 and this year I paid 370 with decreased value all conprehensiv both times



Pugwash


Joined: 06/09/2010
Posts: 1797

Message Posted:
05/10/2010 19:28

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Message 3 of 13 in Discussion

Personally I would just do property.



millsy


Joined: 18/08/2010
Posts: 8

Message Posted:
05/10/2010 21:27

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Message 4 of 13 in Discussion

i personaly think everyone should have property insurance as with car my insurance also cost

205. of which i am told insurance is only as good as the payout



glw215


Joined: 02/04/2008
Posts: 178

Message Posted:
05/10/2010 21:58

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Message 5 of 13 in Discussion

Seker Sigorta will do all they can to avoid paying out in the event of a claim so if you are insured with them - give it a miss.



Maz


Joined: 29/03/2009
Posts: 1924

Message Posted:
06/10/2010 00:05

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Message 6 of 13 in Discussion

Why not speak to Can Sigorta's rep, Carol Blackwell Gibbs and find out just what you are insured for and what the small print is on all policies. Carol will be open and honest with you.



Ihave heard that the excess is a killer. It is NOT the same as U.K. I believe, and please double check, that one has, say a 10% excess, which is actually 10% of the value of the property, so, suppose one has a propertyh to the value of 250,000 (as some do), and you have a wall collapse due to flooding, then the excess on the policy is 25,000 - which means you will end up paying for the wall yourself although insured.



The value is of course if the house disappears in an earthquake, then you will certainly benefit.



But talk to some insurance companies - Steve Dickenson is another who will be honest with you, or come to that CreditWest Bank. Get some quotes and find out just what you are covered for.



negativenick


Joined: 10/11/2008
Posts: 6023

Message Posted:
06/10/2010 06:51

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Message 7 of 13 in Discussion

as someone that was involved with the insurance industry in the Uk for 30 years - all i will say is that for my own insurance in the TRNC, i used Creditwst - I've also seen their re-insurance policy and their Underwriters are a huge global company........



Also bear in mind a lot of the agents flogging the stuff, know little or nothing about the policy coverage - "you're fully covered" should be taken with a pinch of salt.....



YOU HAVE BEEN WARNED !



Nedjip


Joined: 06/10/2010
Posts: 13

Message Posted:
06/10/2010 23:34

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Message 8 of 13 in Discussion

I can tell you to speak with Mrs. Hazan for House and Car insurance, you can get very good offer and it is very important that "what you are buying with your insurance", she's office is in Alsancak, next to Starling-2 supermarket towards to Lapta. She speaks very good English also you can check the web-site northcyprusinsurance.com



negativenick


Joined: 10/11/2008
Posts: 6023

Message Posted:
07/10/2010 11:05

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Message 9 of 13 in Discussion

mess 8 - your last name isn't hazan is it by any chance.....



ImnEr


Joined: 11/05/2010
Posts: 76

Message Posted:
07/10/2010 11:42

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Message 10 of 13 in Discussion

mess 6

Where can Carol be contacted



aripointer


Joined: 01/07/2008
Posts: 189

Message Posted:
07/10/2010 14:00

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Message 11 of 13 in Discussion

I wouldnt touch Can Sigorta.

How many claims have they settled for the winter flood damage?

Their policies are not worth the paper they are written on. AP



Nedjip


Joined: 06/10/2010
Posts: 13

Message Posted:
08/10/2010 20:16

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Message 12 of 13 in Discussion

Hi again, Mrs. Hazan Eercelik is working for Gunes Insurance which is an affiliate of GROUPAMA, one of the leading insurance companies in FRANCE and VAKIFBANK Turkey, Gunes Insurance shares operating in Istanbul stock exchange (IMKB), it is big company and you can get very good quotes for House and Car insurance... You can contact with Hazan from 05338665310... hope this will help...



Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
08/10/2010 20:20

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Message 13 of 13 in Discussion

Don't bother, legit or not they will never pay up! Save your hidden non payed premiums and be self-insured!



Richard



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