i deliberately set a high voluntary excess--to bring the premiums down--but now i find it makes virtually no difference
I usually do the same, in the unlikely event I am burgled I will accept the risk of some loss, but if the place burned down I want enough compensation to get myself set back up properly, so a decent amount of cover with a fairly high excess in order to get the lowest premium.
Yup... my place was 999yr leasehold so the buildings were probably covered by the owner of the leasehold - so the contents on top were probably not significant.
