I watched an interesting progamme this morning on BBC2. A couple had insured some gold jewellery for £4,000, which was twice what it had cost some years before. It was stolen and when they claimed the £4,000 they were told that the value had risent to £13,000 and they were underinsured and the policy was void. Eventually, Esure agreed that there had been no intention to defraud and they paid out, but the onus is on the customer to keep the valuations up to date. You should also take photographs of all you contents and keep documents in a fireproof metal box - or on line.
