Products
Contents Valuations
Contents insurance
Assets that are not permanently fixed to a wall, floor or ceiling, are regarded as contents or moveables that must be insured under a separate policy from the building that contains them. Built-in assets such as carpets, ovens, air conditioners etc. are considered fixed assets and are covered by the buildings policy. It is important that buildings and contents are insured for their full replacement value at all times.
A Mirfin asset registry serves as proof of ownership in the event of a claim and will ensure the insurer does not subject your claim to averaging.
Survey procedure
- The surveyor will work their way through every room, documenting and photographing every item.
- The surveyor will request a valuation certificate for all jewellery, paintings, artwork, antiques, collections and other valuables.
- Important: Any high-value items not presented to the surveyor or for which no certificate of value is made available, will not be covered by your insurer.
- Your jewellery must always be handled exclusively by yourself.
- We will assess your daily-use items such as clothing, bed linen, crockery and cutlery by applying an average percentage; please point out any high-value items in this respect to the surveyor.
- As we respect your privacy, the surveyor will not open any cupboards or drawers or unpack any containers.
- The surveyor will ask you to provide an estimated value for all the curtains in your building.
- The surveyor will also photograph the exterior of your building.
- Once the survey is completed, all photographs and documents will be kept in a digital vault and will not be made available to any third party without your written consent.
- Once the survey is completed, you will be asked to rate our service.
- To ensure that the valuation of your contents is accurate, we may consult with you again after the survey to agree on a value for unique items for which we were unable to determine a replacement value.