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Contents Insurance - crimes in Muscat?

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2322

Posts

EW EXPERT

Latest post on 02 May 2013 - 06:44

ahh, now that you say that, I think that's why we have struggled here. Will have to see if I can come up with a company that can do a full household evaluation that will be accepted by the insurance company. Surely that's do able. Your approach sounds the most sensible, thanks. Another bright shiny beautiful morning after the latest storm...isn't this weather incredible?! Have a happy long weekend :)

452

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EW EXPLORER

Latest post on 01 May 2013 - 23:27

Hi Aroha, We've had to insure our contents with the UK company which insured our container load of belongings when we moved to DXB in 2005. We tried to insure contents in DXB but everybody wanted either receipts or valuations for anything over, I think, AED2,000 which simply wasn't practical - much of the furniture we took to DXB with us was over 200 years' old. As we bought more items (silk rugs etc) we took photos and sent them to the company and they adjusted the premium accordingly each year. We've simply carried on insuring our contents with this company. We insure through a broker who are then underwritten at Lloyds. We probably pay a bit too much but for peace of mind, to be honest we don't much care. We'd rather be fully insured rather than under-insured and have to argue the toss should one of our more expensive silk rugs (for example) be damaged beyond repair. It was the nonsense of having to get valuations (couldn't find anyone who could value a Tudor oak chest in Dubai for example - our shipping valuation wasn't accepted because it was more than six months'old) and we simply gave up. Hope all is well with you and yours after this evening's monster storm.

157

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EW NEWBIE

Latest post on 01 May 2013 - 11:48

Sorry........I said yes meaning I did have household insurance and yes there is crime. The first night I moved into my villa in Azaiba the British family who lived opposite me was ransacked whilst they were on holiday. It is worth having in my opinion.

2322

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EW EXPERT

Latest post on 01 May 2013 - 08:18

If you don't mind me asking, who are you insured with here Debliz. We always had axa in Dubai, but for some reason we cant get that for here, and for the life of me I can't remember why not...it exists here, obviously, but there was some pre requisite we couldn't provide, I just cant remember what. Other people I have spoken to have had to go the route of insurance from their home countries...just doesn't seem to make a great deal of sense.

452

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EW EXPLORER

Latest post on 01 May 2013 - 03:04

Azaiba has said, 'yes' but not sure what she was referring to - whether she has experienced crime or whether she is insured. We were in Dubai for seven years before moving to Muscat and we always had our home contents insured - not just against theft/break ins but also for damage caused by rainfall, leaking water tanks and any other thing you can think of. This was brought home to us early in 2006 in Dubai when there were very heavy rains and neighbours about four doors down from us had water flowing through the ground floor of their home which had to be pumped out. They tried to claim from the developer who said, 'your home, your responsibility'. To this day they still have sand bags stacked outside the front of their home. We also experienced a broken water tank in the ceiling above our bathroom which, thankfully, didn't damage anything. However another of our neighbours in Dubai who owned their home experienced something similar with the water tank above their kitchen ceiling which has damaged their kitchen worktop, obviously the ceiling, but also wrecked their microwave oven, their plumbed in dishwasher, their all-singing-dancing refrigerator with ice maker because the water caused a massive electical fault. They weren't insured for anything - neither buildings insurance nor contents - it's now up to them to fix everything Personally I can't think of any circumstances under which I wouldn't insure our household contents. We always did this back in our home country (UK) so why not wherever we choose to live now? Some may see this as wasted money - we don't.

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EW NEWBIE

Latest post on 30 April 2013 - 21:07

Yes.

3

Posts

EW NEWBIE

Latest post on 30 April 2013 - 16:18

Hi, Just wondering if anyone had experience crime in Oman, more specifically break-ins, or robbery/theft? Is it common for people to get home contents insurance here? Cheers.

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