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if its covered ont he house insurance they why bother ? When my new cotract started in march i was quoted £8 pm for purely phone insurance whioch is extortionate. I went home added personal possesions on me away from the house for just over £10 and now im covered on hpone plus shed loads of other stuff for about the smae money
The reason why he wants to do it serarate to the house insurance is so as not to affect the policy, eg claiming etc - he'd rather get his own insurance on it.