aki
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Art insurance with criminal record?, by aki on Mar 4, 2021 17:40:45 GMT 1, So I’ve just tried to move from hiscox collections to hiscox Fine art. They asked a few more questions about criminal records which I have and now they won’t insure my collection.
Anyone know insurers who accept people with convictions?
I can’t insure through the wife either as she lives with me the criminal.
Other options are to store elsewhere such as my parents and have them insured them but don’t like the idea of half a million £s where I can’t see it.
I never though growing some plants would cause me this much hassle.
So I’ve just tried to move from hiscox collections to hiscox Fine art. They asked a few more questions about criminal records which I have and now they won’t insure my collection.
Anyone know insurers who accept people with convictions?
I can’t insure through the wife either as she lives with me the criminal.
Other options are to store elsewhere such as my parents and have them insured them but don’t like the idea of half a million £s where I can’t see it.
I never though growing some plants would cause me this much hassle.
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DAVE
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Art insurance with criminal record?, by DAVE on Mar 4, 2021 17:48:13 GMT 1, So I’ve just tried to move from hiscox collections to hiscox Fine art. They asked a few more questions about criminal records which I have and now they won’t insure my collection. Anyone know insurers who accept people with convictions? I can’t insure through the wife either as she lives with me the criminal. Other options are to store elsewhere such as my parents and have them insured them but don’t like the idea of half a million £s where I can’t see it. I never though growing some plants would cause me this much hassle.
Sunflowers?
So I’ve just tried to move from hiscox collections to hiscox Fine art. They asked a few more questions about criminal records which I have and now they won’t insure my collection. Anyone know insurers who accept people with convictions? I can’t insure through the wife either as she lives with me the criminal. Other options are to store elsewhere such as my parents and have them insured them but don’t like the idea of half a million £s where I can’t see it. I never though growing some plants would cause me this much hassle. Sunflowers? |
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LJCal
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Art insurance with criminal record?, by LJCal on Mar 4, 2021 17:51:41 GMT 1, Just don’t disclose it, it’s very unlikely they’ll ever find out unless you committed a crime that was publicised. Usually most insurers ask if you’ve been convicted of fraud or any kind of dishonesty, if it’s a drug conviction they usually don’t ask.
Just don’t disclose it, it’s very unlikely they’ll ever find out unless you committed a crime that was publicised. Usually most insurers ask if you’ve been convicted of fraud or any kind of dishonesty, if it’s a drug conviction they usually don’t ask.
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tab1
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Art insurance with criminal record?, by tab1 on Mar 4, 2021 17:56:58 GMT 1, Just don’t disclose it, it’s very unlikely they’ll ever find out unless you committed a crime that was publicised. Usually most insurers ask if you’ve been convicted of fraud or any kind of dishonesty, if it’s a drug conviction they usually don’t ask.
That’s a big risk to take? With the current climate insurance fraud investigators dig even more to save paying out on an insurance claim.
Always read the small print, disclosures
Just don’t disclose it, it’s very unlikely they’ll ever find out unless you committed a crime that was publicised. Usually most insurers ask if you’ve been convicted of fraud or any kind of dishonesty, if it’s a drug conviction they usually don’t ask. That’s a big risk to take? With the current climate insurance fraud investigators dig even more to save paying out on an insurance claim. Always read the small print, disclosures |
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LJCal
Junior Member
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December 2019
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Art insurance with criminal record?, by LJCal on Mar 4, 2021 17:59:20 GMT 1, Just don’t disclose it, it’s very unlikely they’ll ever find out unless you committed a crime that was publicised. Usually most insurers ask if you’ve been convicted of fraud or any kind of dishonesty, if it’s a drug conviction they usually don’t ask. That’s a big risk to take? With the current climate insurance fraud investigators dig even more to save paying out on an insurance claim. Always read the small print, disclosures
Just don’t disclose it, it’s very unlikely they’ll ever find out unless you committed a crime that was publicised. Usually most insurers ask if you’ve been convicted of fraud or any kind of dishonesty, if it’s a drug conviction they usually don’t ask. That’s a big risk to take? With the current climate insurance fraud investigators dig even more to save paying out on an insurance claim. Always read the small print, disclosures It’s a calculated risk, and better than no insurance. Really depends on the sums and if other insurance can be obtained. |
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graeme
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Art insurance with criminal record?, by graeme on Mar 4, 2021 18:12:24 GMT 1, Isn’t one of the questions when you apply for an new insurance policy also whether you’ve ever had insurance declined.......for whatever reason.
It may have to be the parents.
Isn’t one of the questions when you apply for an new insurance policy also whether you’ve ever had insurance declined.......for whatever reason.
It may have to be the parents.
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aki
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Art insurance with criminal record?, by aki on Mar 4, 2021 18:12:41 GMT 1, That’s a big risk to take? With the current climate insurance fraud investigators dig even more to save paying out on an insurance claim. Always read the small print, disclosures It’s a calculated risk, and better than no insurance. Really depends on the sums and if other insurance can be obtained.
If they ask which they did, you’ve got to tell them otherwise it’s invalid so may as well not be insured. If they don’t ask you don’t need to tell them.
That’s a big risk to take? With the current climate insurance fraud investigators dig even more to save paying out on an insurance claim. Always read the small print, disclosures It’s a calculated risk, and better than no insurance. Really depends on the sums and if other insurance can be obtained. If they ask which they did, you’ve got to tell them otherwise it’s invalid so may as well not be insured. If they don’t ask you don’t need to tell them. |
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aki
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Art insurance with criminal record?, by aki on Mar 4, 2021 18:13:52 GMT 1, Isn’t one of the questions when you apply for an new insurance policy also whether you’ve ever had insurance declined.......for whatever reason. It may have to be the parents.
Correct and to rub it in a bit they cancelled my existing policy.
Isn’t one of the questions when you apply for an new insurance policy also whether you’ve ever had insurance declined.......for whatever reason. It may have to be the parents. Correct and to rub it in a bit they cancelled my existing policy. |
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Runit
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Art insurance with criminal record?, by Runit on Mar 4, 2021 18:18:19 GMT 1, I’d spend what you’ve now saved on beefing up your home security. Seems you’re uninsurable either way now. Gotta love how fair and just the world we live in is..
I’d spend what you’ve now saved on beefing up your home security. Seems you’re uninsurable either way now. Gotta love how fair and just the world we live in is..
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Art insurance with criminal record?, by sandinista on Mar 4, 2021 18:19:46 GMT 1, is there a market for leasing art? then they insure it.
is there a market for leasing art? then they insure it.
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Runit
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Art insurance with criminal record?, by Runit on Mar 4, 2021 18:19:51 GMT 1, I’d spend what you’ve now saved on beefing up your home security. Seems you’re uninsurable either way now. Gotta love how fair and just the world we live in is..
I’ll add that if you’re ever out of town then it’s worth shifting the Banksys to your folks place for the duration. At least that’s what I’d be doing if I was in your position.
I’d spend what you’ve now saved on beefing up your home security. Seems you’re uninsurable either way now. Gotta love how fair and just the world we live in is.. I’ll add that if you’re ever out of town then it’s worth shifting the Banksys to your folks place for the duration. At least that’s what I’d be doing if I was in your position. |
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casual
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Art insurance with criminal record?, by casual on Mar 4, 2021 18:21:03 GMT 1, I hope all of your prints are framed with museum glass, the growing lamps used in your average cannabis farm can start to turn the paper yellow & damage the piece...
I hope all of your prints are framed with museum glass, the growing lamps used in your average cannabis farm can start to turn the paper yellow & damage the piece...
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aki
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Art insurance with criminal record?, by aki on Mar 4, 2021 18:24:16 GMT 1, I’d spend what you’ve now saved on beefing up your home security. Seems you’re uninsurable either way now. Gotta love how fair and just the world we live in is..
Maybe a gun tower on the roof😂
I’d spend what you’ve now saved on beefing up your home security. Seems you’re uninsurable either way now. Gotta love how fair and just the world we live in is.. Maybe a gun tower on the roof😂 |
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aki
New Member
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Art insurance with criminal record?, by aki on Mar 4, 2021 18:31:06 GMT 1, I hope all of your prints are framed with museum glass, the growing lamps used in your average cannabis farm can start to turn the paper yellow & damage the piece...
Some are framed with museum glass a few never been framed.
Never thought to hang one in the grow room.
When the police came they took a list of my prints with values next to them on a scrappy piece of paper.
They thought it was a tick list and took it for evidence only to return it 8 months later with my phone.
I hope all of your prints are framed with museum glass, the growing lamps used in your average cannabis farm can start to turn the paper yellow & damage the piece... Some are framed with museum glass a few never been framed. Never thought to hang one in the grow room. When the police came they took a list of my prints with values next to them on a scrappy piece of paper. They thought it was a tick list and took it for evidence only to return it 8 months later with my phone. |
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aki
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Art insurance with criminal record?, by aki on Mar 4, 2021 18:35:53 GMT 1, I don't know what sort of art you have on your walls or how much it's worth but most burglars are after stuff they can easily sell on, like laptops, and other expensive electrical items, gold jewellery etc. Most burglars know f*** all about art and wouldn't know what's worth stealing and what isn't. I never bother with insurance; even normal household insurance.
Great idea I’ll leave a fake Rolex and old iPads by the door for them.
None of it has ever been needed to be insured separately until a few years ago when things went mad.
I don't know what sort of art you have on your walls or how much it's worth but most burglars are after stuff they can easily sell on, like laptops, and other expensive electrical items, gold jewellery etc. Most burglars know f*** all about art and wouldn't know what's worth stealing and what isn't. I never bother with insurance; even normal household insurance. Great idea I’ll leave a fake Rolex and old iPads by the door for them. None of it has ever been needed to be insured separately until a few years ago when things went mad. |
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tab1
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Art insurance with criminal record?, by tab1 on Mar 4, 2021 18:55:03 GMT 1, I’d spend what you’ve now saved on beefing up your home security. Seems you’re uninsurable either way now. Gotta love how fair and just the world we live in is..
It’s also the risk of a house fire which no amount of home security can prevent
Everyone is stuck on burglars and theft, many electrical hazards can cause fires even if not in your own home can spread from the neighbors property through roof voids or water damage from burst water pipes, radiators , flooded bath etc
I’d spend what you’ve now saved on beefing up your home security. Seems you’re uninsurable either way now. Gotta love how fair and just the world we live in is.. It’s also the risk of a house fire which no amount of home security can prevent Everyone is stuck on burglars and theft, many electrical hazards can cause fires even if not in your own home can spread from the neighbors property through roof voids or water damage from burst water pipes, radiators , flooded bath etc |
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Art insurance with criminal record?, by Eton Groover on Mar 4, 2021 18:58:23 GMT 1, Sell them and enjoy the money.
They seem like more worry than they are worth
Sell them and enjoy the money.
They seem like more worry than they are worth
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aki
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Art insurance with criminal record?, by aki on Mar 4, 2021 19:09:06 GMT 1, Sell them and enjoy the money. They seem like more worry than they are worth
If I can get near £500000 after capital gains they will all be gone and I’ll be growing plants somewhere it’s legal😎
Sell them and enjoy the money. They seem like more worry than they are worth If I can get near £500000 after capital gains they will all be gone and I’ll be growing plants somewhere it’s legal😎 |
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aki
New Member
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Art insurance with criminal record?, by aki on Mar 4, 2021 19:11:33 GMT 1, So I’ve just tried to move from hiscox collections to hiscox Fine art. They asked a few more questions about criminal records which I have and now they won’t insure my collection. Anyone know insurers who accept people with convictions? I can’t insure through the wife either as she lives with me the criminal. Other options are to store elsewhere such as my parents and have them insured them but don’t like the idea of half a million £s where I can’t see it. I never though growing some plants would cause me this much hassle. How long until the conviction is spent? I found a motor/household insurer years ago who dealt with that kind of non-standard disclosure. All spent now, so no need.
Not spent until the end of the summer. So will try then if I get no luck
So I’ve just tried to move from hiscox collections to hiscox Fine art. They asked a few more questions about criminal records which I have and now they won’t insure my collection. Anyone know insurers who accept people with convictions? I can’t insure through the wife either as she lives with me the criminal. Other options are to store elsewhere such as my parents and have them insured them but don’t like the idea of half a million £s where I can’t see it. I never though growing some plants would cause me this much hassle. How long until the conviction is spent? I found a motor/household insurer years ago who dealt with that kind of non-standard disclosure. All spent now, so no need. Not spent until the end of the summer. So will try then if I get no luck |
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Art insurance with criminal record?, by Eton Groover on Mar 4, 2021 19:15:44 GMT 1, Sell them and enjoy the money. They seem like more worry than they are worth If I can get near £500000 after capital gains they will all be gone and I’ll be growing plants somewhere it’s legal😎
A hardened criminal like you doesn’t concern himself with CGT 😂
Sell them and enjoy the money. They seem like more worry than they are worth If I can get near £500000 after capital gains they will all be gone and I’ll be growing plants somewhere it’s legal😎 A hardened criminal like you doesn’t concern himself with CGT 😂 |
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aki
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Art insurance with criminal record?, by aki on Mar 4, 2021 19:32:03 GMT 1, If I can get near £500000 after capital gains they will all be gone and I’ll be growing plants somewhere it’s legal😎 A hardened criminal like you doesn’t concern himself with CGT 😂
Having got off with 1 charge of money laundering I won’t take the piss.
Saying that anyone want to swap a Spanish villa with greenhouse for a few prints 😂
If I can get near £500000 after capital gains they will all be gone and I’ll be growing plants somewhere it’s legal😎 A hardened criminal like you doesn’t concern himself with CGT 😂 Having got off with 1 charge of money laundering I won’t take the piss. Saying that anyone want to swap a Spanish villa with greenhouse for a few prints 😂 |
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Art insurance with criminal record?, by John The Badgers on Mar 4, 2021 19:38:42 GMT 1, Just my comment aki, but as above, any reason for an insurance company not to pay out, they'll do it.
However, your conviction not dishonest/fraud etc, so I would have thought there would be other firms out there who would cover you once you disclose the actual conviction to them bearing in mind the nature?
Couple of threads on here with advice on firms to use who would perhaps look at things a bit more sympathetically?
Just my comment aki, but as above, any reason for an insurance company not to pay out, they'll do it.
However, your conviction not dishonest/fraud etc, so I would have thought there would be other firms out there who would cover you once you disclose the actual conviction to them bearing in mind the nature?
Couple of threads on here with advice on firms to use who would perhaps look at things a bit more sympathetically?
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medichead
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Art insurance with criminal record?, by medichead on Mar 4, 2021 19:41:09 GMT 1, Wait till it's spent then go for it. No need to disclose at that point.
Wait till it's spent then go for it. No need to disclose at that point.
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ajr
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Art insurance with criminal record?, by ajr on Mar 4, 2021 19:46:04 GMT 1, Do a DBS check online for 23quid on gov website and see what comes up. If clean, then I can't see how insurance will know
Do a DBS check online for 23quid on gov website and see what comes up. If clean, then I can't see how insurance will know
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LJCal
Junior Member
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December 2019
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Art insurance with criminal record?, by LJCal on Mar 4, 2021 19:53:47 GMT 1, Just don’t disclose it, it’s very unlikely they’ll ever find out unless you committed a crime that was publicised. Usually most insurers ask if you’ve been convicted of fraud or any kind of dishonesty, if it’s a drug conviction they usually don’t ask. 👆🏻horrible advice.... let’s say house burns down, or is robbed.... ur out a million in art.... half a mil, whatevs.... the insurance company primary job is 2 find a reason 2 NOT pay that claim.... they r a business, in business 2 make money, u think they shelling out that kinda money without a thorough investigation? then even if the don’t run a background check, which they may since it’s an easy disqualifier n in US cost $25 to run the check, let’s just say they don’t.... but they do basic investigation shit, i.e. talk 2 ur neighbors, run a basic non-criminal search of ur name on the web, bam, comes up u had a grow operation n r a convicted felon or whatever they call them in the UK.... now ur out ur entire art collection, n the money 2 replace them. so DONT listen 2 the “don’t ask don’t tell” bs, just find a company, explain 2 them n document the explanation in emails so u can b very clear on ur past so they can’t flip it on u if time ever comes 2 collect, n you’ll b fine.... as usual, honesty is the best policy, n a purposeful willful omission of the truth is just a lie dressed up in a nice tuxedo 😎
Just don’t disclose it, it’s very unlikely they’ll ever find out unless you committed a crime that was publicised. Usually most insurers ask if you’ve been convicted of fraud or any kind of dishonesty, if it’s a drug conviction they usually don’t ask. 👆🏻horrible advice.... let’s say house burns down, or is robbed.... ur out a million in art.... half a mil, whatevs.... the insurance company primary job is 2 find a reason 2 NOT pay that claim.... they r a business, in business 2 make money, u think they shelling out that kinda money without a thorough investigation? then even if the don’t run a background check, which they may since it’s an easy disqualifier n in US cost $25 to run the check, let’s just say they don’t.... but they do basic investigation shit, i.e. talk 2 ur neighbors, run a basic non-criminal search of ur name on the web, bam, comes up u had a grow operation n r a convicted felon or whatever they call them in the UK.... now ur out ur entire art collection, n the money 2 replace them. so DONT listen 2 the “don’t ask don’t tell” bs, just find a company, explain 2 them n document the explanation in emails so u can b very clear on ur past so they can’t flip it on u if time ever comes 2 collect, n you’ll b fine.... as usual, honesty is the best policy, n a purposeful willful omission of the truth is just a lie dressed up in a nice tuxedo 😎 As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper. |
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tab1
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Art insurance with criminal record?, by tab1 on Mar 4, 2021 20:03:03 GMT 1, 👆🏻horrible advice.... let’s say house burns down, or is robbed.... ur out a million in art.... half a mil, whatevs.... the insurance company primary job is 2 find a reason 2 NOT pay that claim.... they r a business, in business 2 make money, u think they shelling out that kinda money without a thorough investigation? then even if the don’t run a background check, which they may since it’s an easy disqualifier n in US cost $25 to run the check, let’s just say they don’t.... but they do basic investigation shit, i.e. talk 2 ur neighbors, run a basic non-criminal search of ur name on the web, bam, comes up u had a grow operation n r a convicted felon or whatever they call them in the UK.... now ur out ur entire art collection, n the money 2 replace them. so DONT listen 2 the “don’t ask don’t tell” bs, just find a company, explain 2 them n document the explanation in emails so u can b very clear on ur past so they can’t flip it on u if time ever comes 2 collect, n you’ll b fine.... as usual, honesty is the best policy, n a purposeful willful omission of the truth is just a lie dressed up in a nice tuxedo 😎 As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper.
Dbs check or what ever it is called the insurers can search under for convictions ?fraud in the pandemic will be at its highest point in claims so investigators will be rigorous to try to discredit claims
I am sure there are insurers that will insure at a premium, it’s not worth the risk, paying the premium then your claim to be thrown out .
Easier option insure with family member until the conviction is spent
👆🏻horrible advice.... let’s say house burns down, or is robbed.... ur out a million in art.... half a mil, whatevs.... the insurance company primary job is 2 find a reason 2 NOT pay that claim.... they r a business, in business 2 make money, u think they shelling out that kinda money without a thorough investigation? then even if the don’t run a background check, which they may since it’s an easy disqualifier n in US cost $25 to run the check, let’s just say they don’t.... but they do basic investigation shit, i.e. talk 2 ur neighbors, run a basic non-criminal search of ur name on the web, bam, comes up u had a grow operation n r a convicted felon or whatever they call them in the UK.... now ur out ur entire art collection, n the money 2 replace them. so DONT listen 2 the “don’t ask don’t tell” bs, just find a company, explain 2 them n document the explanation in emails so u can b very clear on ur past so they can’t flip it on u if time ever comes 2 collect, n you’ll b fine.... as usual, honesty is the best policy, n a purposeful willful omission of the truth is just a lie dressed up in a nice tuxedo 😎 As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper. Dbs check or what ever it is called the insurers can search under for convictions ?fraud in the pandemic will be at its highest point in claims so investigators will be rigorous to try to discredit claims I am sure there are insurers that will insure at a premium, it’s not worth the risk, paying the premium then your claim to be thrown out . Easier option insure with family member until the conviction is spent |
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LJCal
Junior Member
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Art insurance with criminal record?, by LJCal on Mar 4, 2021 20:12:19 GMT 1, As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper. Dbs check or what ever it is called the insurers can search under for convictions ?fraud in the pandemic will be at its highest point in claims so investigators will be rigorous to try to discredit claims I am sure there are insurers that will insure at a premium, it’s not worth the risk, paying the premium then your claim to be thrown out . Easier option insure with family member until the conviction is spent
As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper. Dbs check or what ever it is called the insurers can search under for convictions ?fraud in the pandemic will be at its highest point in claims so investigators will be rigorous to try to discredit claims I am sure there are insurers that will insure at a premium, it’s not worth the risk, paying the premium then your claim to be thrown out . Easier option insure with family member until the conviction is spent You can only make a DBS search with the persons consent but yet agree if possible transfer ownership on paper to relative of art and insure in their name. |
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aki
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June 2017
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Art insurance with criminal record?, by aki on Mar 4, 2021 20:12:28 GMT 1, 👆🏻horrible advice.... let’s say house burns down, or is robbed.... ur out a million in art.... half a mil, whatevs.... the insurance company primary job is 2 find a reason 2 NOT pay that claim.... they r a business, in business 2 make money, u think they shelling out that kinda money without a thorough investigation? then even if the don’t run a background check, which they may since it’s an easy disqualifier n in US cost $25 to run the check, let’s just say they don’t.... but they do basic investigation shit, i.e. talk 2 ur neighbors, run a basic non-criminal search of ur name on the web, bam, comes up u had a grow operation n r a convicted felon or whatever they call them in the UK.... now ur out ur entire art collection, n the money 2 replace them. so DONT listen 2 the “don’t ask don’t tell” bs, just find a company, explain 2 them n document the explanation in emails so u can b very clear on ur past so they can’t flip it on u if time ever comes 2 collect, n you’ll b fine.... as usual, honesty is the best policy, n a purposeful willful omission of the truth is just a lie dressed up in a nice tuxedo 😎 As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper.
It made the paper😆
👆🏻horrible advice.... let’s say house burns down, or is robbed.... ur out a million in art.... half a mil, whatevs.... the insurance company primary job is 2 find a reason 2 NOT pay that claim.... they r a business, in business 2 make money, u think they shelling out that kinda money without a thorough investigation? then even if the don’t run a background check, which they may since it’s an easy disqualifier n in US cost $25 to run the check, let’s just say they don’t.... but they do basic investigation shit, i.e. talk 2 ur neighbors, run a basic non-criminal search of ur name on the web, bam, comes up u had a grow operation n r a convicted felon or whatever they call them in the UK.... now ur out ur entire art collection, n the money 2 replace them. so DONT listen 2 the “don’t ask don’t tell” bs, just find a company, explain 2 them n document the explanation in emails so u can b very clear on ur past so they can’t flip it on u if time ever comes 2 collect, n you’ll b fine.... as usual, honesty is the best policy, n a purposeful willful omission of the truth is just a lie dressed up in a nice tuxedo 😎 As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper. It made the paper😆 |
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LJCal
Junior Member
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December 2019
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Art insurance with criminal record?, by LJCal on Mar 4, 2021 20:15:33 GMT 1, As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper. It made the paper😆
As I said it’s a calculated risk, if no other policy is available, as an insurance that may or may not pay out is better than no insurance at all. Finding out someone has a criminal record for a crime that happened years back is not easy in the UK if it didn’t make the paper. It made the paper😆 Ah ok, ignore what I said you’re fucked. Find another insurer or transfer art to relative and insure in their name. Try ultimart, I think they only ask about theft or fraud. |
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