I was insured with Prudential and one day drooped my video camera outside as I was going to the garden shed. Being honest I told them and claimed on my house insurance. There reply was " If I had dropped it in the house ..they pay out. If I drop it in the garden shed...they pay out. If I drop it in the garden....I am not covered. They say that the house and shed are my property but my garden is not. I objected no diff. I changed insurance co and guess what? I happened to drop the same video camera in my garden shed and they paid out. Moral....DON`T use prudential insurance......Haydn
Take nothing but memories, leave nothing but footprints.