I cannot believe that I am writing on this subject again. In 2002 I wrote that our client's car had been written off, but that the motor insurers would not pay for car seats saying that they were personal belongings, and the household insurers would not pay because they considered them motor accessories.
It never was resolved because the insured gave up.
I now have a client who had a Road Angel global positioning system stolen from their car and - surprise, surprise - the motor insurers say it is personal belongings and the household insurers say it is a motor accessory.
Neither will consider the claim.
As before, we do not act for both classes - only the household risk.
Haven't we moved on as an industry?