Cheers Ian, I think that's the answer to check her own home insurance & see what the limits are & whether she has to specify anything. Much obliged, I will pass the info on
All my optics are covered on my contents insurance on a new for old basis. I dont even have to specify them as only items above about 4K (I think) need naming. Thankfully havent needed to use the policy but every year I check with them and every year they tell me Im covered. My insurance company is Nationwide as in the Building Society. My travel insurance is also with them and again Im told Im covered.
I do exactly the same with my own home insurance, with Axa, and have a £10K limit for an individual item (they don't need itemising either though it seems you would ideally need proof of purchase or a valuation from a dealer if not) and £15K for combined items, including outside the home and abroad.
All my optics are covered on my contents insurance on a new for old basis. I dont even have to specify them as only items above about 4K (I think) need naming. Thankfully havent needed to use the policy but every year I check with them and every year they tell me Im covered. My insurance company is Nationwide as in the Building Society. My travel insurance is also with them and again Im told Im covered.
Cheers mate, sounds perfect actually, a £4k per item limit should cover most stuff..... other than a Swaro BTX scope with multiplier & case
All my optics are covered on my contents insurance on a new for old basis. I dont even have to specify them as only items above about 4K (I think) need naming. Thankfully havent needed to use the policy but every year I check with them and every year they tell me Im covered. My insurance company is Nationwide as in the Building Society. My travel insurance is also with them and again Im told Im covered.
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No one on their death bed ever said they wished they'd spent more time at work. http://bitsnbirds.blogspot.co.uk
I know that this is a really old thread but maybe someone can help. I have a friend who has enquired as to the best insurance company with which to insure her bins and scope. As it is 4 years on from the last post I will ask if anyone has any recent recommendations for this? Either a good company which has the facilities to add such items or as a stand alone insurance just for optics, and needing to cover foreign travel. Many thanks in advance.
Thanks everybody - I will talk to our home insurers and see what they can offer us! It seems they may be reluctant to insure expensive equipment left in a car boot - even when not on display - but we'll see what they say.
Hi Paul, can you keep us posted, as my optics are currently uninsured. I live in a shared house owned by someone else so it's not as straightforward as usual. Cheers.
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I had this discussion with my house insurance company to make sure I was covered for a month in New Zealand.
They were very understanding and completely unphased by my request (Swarovski EL bins).
They are clearly used to dealing with all many of unusual requests.
Thanks everybody - I will talk to our home insurers and see what they can offer us! It seems they may be reluctant to insure expensive equipment left in a car boot - even when not on display - but we'll see what they say.
An 'all risks' extention to your household policy is all you need, as long as you choose a suitable level of cover e.g. £2000. Watch the excess that might be imposed though. I've often mused on whether I would say to a would-be mugger, if they asked if they could look through my binoculars (before running off with them), 'I'm sorry, no one else is insured to use them'. Well, it might buy a little time whilst you think of something else!
Whilst we all pay for various insurances, by it,s nature not many of use it.It would be interesting to hear from anyone who has made a claim such as "dropped" or "nicked from hide" maybe even "left in error" I have my doubts that Winston would dash out and replace your bin,s without a quibble,but I,ve been wrong before cheers geoff
All my stuff is insured my home insurance policy with items over specific values specified. I did worry slightly when the lady asked me if I intended to use my bins outside the home!!! Still it seems everything is in order on the schedule.
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No one on their death bed ever said they wished they'd spent more time at work. http://bitsnbirds.blogspot.co.uk
Has anybody got any thoughts on the best way to insure cameras and optical equipment when out and about - including overseas? Do people mostly use specification of expensive items on household insurance? Any thoughts/tips would be appreciated.
