Home Insurance - Advice Please

[pumpjack]

got quoted home insurance from ST & R LTD for £97.00 per year ,
old for new.
policy excess £100
contents cover up to 75k
mobile phone covered

QUESTION - i have some thai gold, and gold ive bought abroad over the years in different airports like dubai etc, some of gold was for my ex wife which i took with me when we split ( no contact with her and if i had she would not give me reciepts ) so no proof of reciepts there.
i have also some reciepts for my own gold, photos of it also and videos of me wearing it etc

most gold was under 2000 pounds .
ive also other items in house with no reciept.

in event of breakin or loss are insurance companies going to play hard ball and slither out of any pay outs ?

what is likely outcome, no reciepts for goods ? or cash in house up to say 2000 pounds ?

gold total value is approx

[Peter Pedant]

yes of course you know they will
the insurance will cover one item for X pounds poss as little as £2000
ring up the insurance
and ask if they will accept a valuation from a jeweller

jewellers do this often ( value)
also photo them

and dont tell anyone

[TonyV]

You can get written valuation from a local jeweller that would support any insurance claim you have in the future. But you do need to make sure all your doors if plastic have 5 bolt locking.

[Peter Pedant]

£97 is not too bad
mine is around that - but I have never claimed

[Peter Pedant]

o I have a burglar alarm and CCTV
um I thought everyone er did

[TonyV]

All depends on location go here and then ask your current insurer if they will match quote if you find a cheaper one.

https://www.gocompare.com/ps/homepage/nd/?media=A159243&device=t&gclid=CjwKCAjwmZbpBRAGEiwADrmVXtI-9Q7DsQWUBr6m26XJDBB2Uz6i3SWxww0CIjagCuu7-jP79aY5PBoCoPwQAvD_BwE&gclsrc=aw.ds

[The Builder]

Also, it's vital to have any "exceptional" valuables actually specified on the policy, including cash amounts.

I have two saxophones listed together with their current value.

[TonyV]

Not everyone PP my neighbours South African ridgebacks are quite a good deterrent.

[TonyV]

https://en.m.wikipedia.org/wiki/Rhodesian_Ridgeback

[douglas9401]

New for old is a better option.

[waterboatman]

Citizens advice may be able to point you in the right direction.

[DTCwordfan]

each insurance company has different guidelines to what needs to be listed - with the policy here (NFU - who are very good), it's >£7500....

As an aside, I got the total insurance cut by over £200 when I combined the buildings with contents.

[Deskdiary]

I'd be extremely surprised if advising pumpjack on insurance comes within the remit of Citizens Advice.