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insulin pump insurance

G

gunner1711

Newbie
Messages
1
hi every one,
This is the first of my messages and my message is about insulin pump insurance.
I am a insulin pump user and have been one for 1 year recently i have been trying to find some insurance for my pump but sadly i have been lead a merry dance through insurance companys with no success.
I need insurance for my pump for loss, damage and theft.I think that is all i need the insuranc for but if any one has advise on what i have to cover for my pump.
I have made inquirys about about insurance for my pump and the quotes i recieved range from £77 per month (£924 per year) to £20 per month (£240 per month).
sadly i have recently lost my full time job and only have a part time job so finances are limited so any advise would be appreciated regarding insurance companys i can use
thanks
 
y
 
Ditto to the above although not sure what extra premium I paid - guess it depends on the company anyway. My insurance company paid little attention to what I was insuring to be honest - just its value. I got the same premium increase for a cameral lens of a similar value to my pump which I was adding to my policy at the time.

Alan
 
I have put my pump on the house insurance policy. They had all the info from me about it but cost of it was their priority, I insured it for around £3000. No quibbles from the company at all. It costs me around £70 a year to do it.
 
Hi, I have been having the same problem with insurance issues since June and the only solution is to put it on your house insurance (if you have one!). So far I've had no success in getting a quote soley for a pump and so therefor I am just going to have to take the chance and hope that nothing happens to it. Sorry I haven't helped much.
 
I rang my contents insurance and added on there for a value of £2600 and it costs £40 a year.
 
I am in the process of getting a pump and I have been advised by the diabetic specialist nurse to have it on the home content insurance. If this is any help :?:
 
Just put my daughters on the contents insurance for £29 extra for the year. They wanted full info on the pump including serial nos and also a letter on headed paper from the supplier (hospital consultant, or any other person autherised to supply the pump) again with all the details inc. serial nos. I had no problem with that as our DSN is fantastic and sorted it all out for us.
Hope this helps someone

Harry
 
zippycaz said:
I have put my pump on the house insurance policy. They had all the info from me about it but cost of it was their priority, I insured it for around £3000. No quibbles from the company at all. It costs me around £70 a year to do it.
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Hi, who are you insured with and does it cover you away from the home?
 

hi, who are you insured with? and does it cover you away from home?

karen
 
We recently changed our household insurance to Axa, our monthly premium is now less than our previous insurer (without pump insurance) and this new figure includes the pump both at home and away from home. I phoned recently to check that it covers the pump out of the country as we're planning a holiday later in the year, they confirmed that it will be covered even out of the country. They didn't want serial numbers etc, they just wanted to know what the pump's replacement value was.
 
We are insured with Legal and General and they were very helpfull. We are covered outside the UK and have just got back from a trip to Goa. Everything performed perfectly so we are very happy. I think if you tell them that it is medical equiptment it should be cheaper but don't quote me on that.

Harry
 

I'm also with the same insurer and just told them that I had an insulin pump and all I had to do was just tell them the value I wanted it insured for and it's included on my policy as a named item.
 
ohhh good post i hadnt thought of insurance for dylans pump, altho we have a borrowed one at the mo he gets his in april

anna marie
 
We were advised by the nurse to have it insured. I know that some people pay quite a lot for their insurance but ours was cheaper than I thought it would be.

Harry
 
I just got charged £34 for the pump to go on my contents. Don't know how much it will be for the full year though. I did make it clear to the girl on the phone that this thing was to be "permanently " attached to me so I expect it to be covered outside the home as well.
 
Do make sure the insurer knows exactly what they're insuring, don't rely on a quote based on the pump value alone.

It's worth talking to a broker rather than using comparison websites. Get them to ring the underwriters to check about the pump specifically. They should already know which companies won't be interested, saving you hassle.

Just been through this exercise with my new pump in mind as renewal was due anyway. Some wouldn't cover it at all, or not in the first year. L&G would only cover it in the house :roll:. Some seemed to cover it as a specified item - but on checking specifically, they woudn't cover it.

Aviva originally quoted £8 extra to renew my existing policy plus the pump.

Finally chose Aviva through Home Direct. Got higher contents cover, accidental damage for all contents, free legal cover, pump fully covered including up to 60 days abroad, much lower excess and all for less than last year's premium
 
I have been on a pump for around 5 months and I thought that it would be a good idea to get in insured.

I believed that this would be a simple process, of calling the insurance company and they would have no problem adding it as medical equipment on the contents. However, apparently, our insurance does not know what an Insulin Pump is, nor do they have it on their system. Now this isn't a small company by any means its a high street bank!

I was just wondering if anyone knows were I maybe able to insure the pump without having to move house insurance ect... So far I have found nothing

Any help would be greatly appreciated.
 
If you have a read back through this thread you should find plenty of information and advice here....
 
cugila said:
If you have a read back through this thread you should find plenty of information and advice here....
Click to expand...

Yeah I read this thread earlier, however, it is about people adding their pump on their contents of their current insurance.

I have tried to do this, however, seemingly my insurance company do not know what a pump is.

I was asking for insurance companies that insure a pump on its own - ie without house cover ect...

Thanks for help though.
 
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