An insurance giant has dug back 70 years in its archives to reveal more about everyday life back then to celebrate the Queen’s Platinum Jubilee celebrations.
Aviva’s records reflect how homes and pastimes have changed over the decades.
70 years ago, available tech coverage included “WLAN” (radio) and television installation insurance for households that owned such devices, Aviva said. Insurance coverage extends to accidental death or injury to persons not part of the household caused by these devices.
Electric vehicles, cell phones, laptops and e-bikes are among the tech items that Aviva insures today.
The Queen’s Platinum Jubilee national celebrations will take place over a special bank holiday weekend from 2nd to 5th June.
Anna Stone, group archivist at Aviva, said: “Our 1952 documents reveal a world where televisions were luxury items and therefore benefited from their own insurance; Cattle and horses were more common on British roads and it was not uncommon to take a typewriter with you on holiday.”
On home insurance, Aviva found that comprehensive home insurance offered protection against events such as fire, burglary and storms that are still seen today – although some wording of the 1952 policy has fallen out of favour, including coverage for “Thunderclap”, ” Theft”. and “Storm”.
Flood damage has been excluded, although Aviva now covers this using risk mapping technology to estimate the likelihood of flooding.
Properties were insured against damage by motor vehicles, as is the case today, with attacks by road vehicles being combined with damage by horses and cattle.
The long-established Aviva brand, Norwich Union, offered “private home insurance” that covered a customer’s belongings in a similar way to modern home insurance.
A checklist allowed customers to keep track of their belongings and included popular possessions of the day, including a piano, radio, television, food supplies, linoleum, servants’ goods, jewelry and “sundries”.
Customers were also offered an optional glass cover to enclose glass in greenhouses, skylights, porches, conservatories and outbuildings.
The policy also covered accidents involving staff members and their clothing and personal belongings.
Aviva’s long-established companies also offered a range of specialized insurance policies for very specific types of coverage.
These included golf insurance, marching band and military band coverage, and glass facade insurance.
Golf insurance allowed people to claim up to £50 (equivalent to around £1,531 today) for loss or damage to golf clubs and bags.
It also provided cover for clubs that were broken during practice and accidental injury or death of the insured person on a golf course.
The brass music insurance covered instruments, uniforms, sheet music, music stands, cups and trophies.
In motor insurance, a policy offered by General Accident, now part of Aviva, in 1952 covered many of the same risks as it does today.
A separate section also specified that the customer would be insured for loss of or damage to “carpets, coats, luggage, medical or surgical instruments, whether caused by accident or by fire, theft or theft.”
The policy’s exclusions included travelers’ samples, tools and books.
A separate motor vehicle policy offered by Road Transport and General – another Aviva heritage company – that covers loss or damage due to frost, riots and civil unrest.
While Aviva travel insurance today offers some protection against Covid-19-related risks, as well as cancellation protection and medical expenses, in 1952 traveler insurance was more focused on personal accidents and luggage.
A policy provided protection for those enjoying “camps, tours and excursions both domestically and internationally.”
The baggage was insured against loss or damage from “looting” and “sea water” as well as against fire, theft, loss and “other accident or misfortune”.
There were exceptions for jewellery, binoculars and “precious shoelaces”, while there was a deductible for holidaymakers with china, glass, typewriters and musical instruments.
https://www.independent.co.uk/news/uk/aviva-tvs-norwich-union-b2084533.html Insurance giant looks back 70 years in the archives on the occasion of the platinum anniversary