Do we have to have contents insurance before moving in?

Forgive me if this is a daft question but I am moving into a rented house on Monday (first timer, so it's all new to me!) we had planned to get our contents insurance soon after moving in once we actually know the value of the contents (we currently own a bed, some electricals and that's about it!) - but we got a letter from the agents today telling us we needed to bring our contents insurance cover note on Monday along with various other things (copy of passport, deposits etc) that are required before we can sign.

Is this normal? Can they actually refuse to let us move in if we don't have one?

Thanks

16 Comments

if you sort out your cover before moving in then the cover note will obviously go to the address you're moving to...
BUT... if you break something in the process of moving then i don't know how you go about claiming that !

Original Poster

Yes but they have not left us enough time to sort it, we've just bought the cover with Esure but they are sending the cover note via post so it won't be with us on Monday when we are supposed to be moving in and meeting with the agent who apparently has to see it before we can move in.

Banned

Starlet

Yes but they have not left us enough time to sort it, we've just bought … Yes but they have not left us enough time to sort it, we've just bought the cover with Esure but they are sending the cover note via post so it won't be with us on Monday when we are supposed to be moving in and meeting with the agent who apparently has to see it before we can move in.


just take the email confirming cover. They wont want to lose commission. Cant see why contents insurance is a requirement anyway tbh

The deposit is the security toward any damage

SuperEd

never heard of having contents cover before moving in ? but as above, you deposit should cover anything that goes wrong (thats your fault)
Edited by: "goonertillidie" 21st Aug 2010

They may be concerned about the landlords contents, curtains decorations etc.

That should be covered by the landlords insurance, but they may be cutting down their own costs.

Otherwise, check the rental agreement, does that require you to have c/insurance. Could be a problem as it may be very expensive as a standalone policy.

Are you a student, your parents policy may allow contents to be covered id student accomodatiom but that may cause a problem if you have a claim and could arrect their no claims discount.

Good luck

Starlet

Yes but they have not left us enough time to sort it, we've just bought … Yes but they have not left us enough time to sort it, we've just bought the cover with Esure but they are sending the cover note via post so it won't be with us on Monday when we are supposed to be moving in and meeting with the agent who apparently has to see it before we can move in.



That is really strange because there is no legal obligation to have contents insurance, and as mentioned your deposit covers risk of any damage caused. Contents is for your security, not the landlords! I have lived in 2 private rents and both state in contract that they advise you to take it out as they do not provide it. How very strange.

Any contents cover you take out will not cover any of the landlords contents anyway, so its pointless for the agent to ask if you have any cover.

As above, I think asking for a contents insurance certificate is very strange.

They should be open today, I'd be inclined to phone and ask them about it.

That does seem odd, never heard of having to prove contents insurance when renting. Anything in the house before you move in should all be under the landlords insurance. You dont have to have contents insurance if you dont want it although not advisable!

Hi - same here. We moved into renred accommodation 2 weeks ago and were forced to get contents insurance by the letting agent before we were allowed to move in. We thought this strange too. Surely this cant be legal.

LJM

Hi - same here. We moved into renred accommodation 2 weeks ago and were … Hi - same here. We moved into renred accommodation 2 weeks ago and were forced to get contents insurance by the letting agent before we were allowed to move in. We thought this strange too. Surely this cant be legal.


Might not be legal but they are allowed to not let people move in unless you met there requirements so guess if you want to move into the rental you either chosse to met them or not

Original Poster

^ Thanks for the link.

And thanks all for the advice, happy to hear we weren't being 'stupid noobs' and it isn't usually something you HAVE to have before moving in.

Been in touch with the agents today and they said that they aren't sure if they will accept just the email confirmation or not (thanks, that's useful!) but if for some reason we can't we can sign with their insurance and move in, then show them our cover note from esure when we have it and cancel the policy with them (7 day cooling off period).

All seems a bit silly, but as long as they aren't going to turn us away on Monday it's all good

I notice that the op lives in West Yorkshire.
I have a daughter at Leeds Uni and I know from experience that the letting agents in Leeds put all sorts of carp in their letting agreements.
They seem to get away with it because they have a huge student population who, in the main, don't question what they're asked to sign.
Last year I was the source of great embarrassment as I tackled the agents on a sick clause that said "in the event of death of the tenant you agree to pay the full years rent". ! oO

I put a line through that particular obscenity and sent the contract back.

Don't forget to cancel their policy.
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