I lost my ipod? -

i have lost my ipod and look every where .some one told me you could claim off the insurance is that true and how can you do it ? Did you purchase insurance for this item from the supplier when you purchased it? If so, you will need to take a look at the policy wording for exactly what you are covered for. If not, do you have household insurance? If so, does it cover loss away from the home? It's somewhat tricky to determine if you have any cover without knowing exactly what (if any) insurance cover you have taken out. Do you have insurance? What is your deductible? Chances are, your deductible is more than your loss. "THE" insurance? There's no "The Insurance", there's only YOUR insurance, that YOU took out, and YOU pay for. If you don't remember having to pay YOUR insurance, chances are YOU do not have any insurance. If you have an insurance policy that YOU took out on the iPod when you bought it, then depending on the type of insurance that YOU chose, you may be able to claim. If you're thinking about claiming on YOUR household insurance, then you'll have to check on cover for unspecified valuables which you take out of the house. But house insurance policies normally have an "excess" which would be quite high compared to the price of the iPod, plus your house insurance goes up after a claim, so it's probably not worth it even if it's possible. Rather than insuring, YOU should ensure that you take good care of your things and keep them safe. That way they won't get lost, and you won't have to worry about how to claim on insurance. you have to buy another and lose that aswell then you cant claim I doubt you have a deductible small enough to cover the iPod. If you do make a successful claim, don't be surprised if they raise your rates. You should really have an emergency fund to cover job loss, insurance deductibles, and other accidents (like loosing your iPod). Most people recommend this fund represent 3-9 months of your income. If you don't have this amount, don't buy a replacement iPod. If your emergency fund is big enough, it will allow you to save money on your insurance by raising your deductible, plus you earn interest on the money instead of the insurance company. The amount of money you could save over a year's time might be enough to buy an extra iPod. How cool is that?