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Question Insurance for guns & equipment

Discussion in 'Anything Airgun Related' started by Count Jedi, Mar 22, 2014.

  1. Count Jedi

    Count Jedi Donator

    Likes Received:
    I was thinking today while at Springfield's the amount of money people spend on their kit, gun, scope, bottle and then a 2nd or 3rd or even in a lot of cases a 4th and 5th gun etc etc.

    Thus my question does anyone know if there are any companies that will insure our fine collection (outside of our normal contents insurance, if they are even covered under this) for theft and damage while out in the field be it hunting, FT or HFT.

    Last edited: Mar 22, 2014
  2. T 20

    T 20 Busy Member

    Likes Received:
    I'm over here, Dave
    Hi Count

    I extended my household insurance to cover my daughter's laptop while she was at school, I was told this extra cover automatically gave me cover on sporting equipment as well, including guns.

    So it's worth checking on your household policy if you could insure your guns through that.

    All the best Mick
  3. Clubshot

    Clubshot Clubshot

    Likes Received:
    North London. England
    There are Specialist company's - some Household insurances will cover listed items

    Although Air Guns are not legally required to be locked away - Most insurance compay's might require them to be under lock and key

    Especially since VCR Act and Guns being used by under 18 years olds or them having access to air guns

  4. Steve K

    Steve K Posting Addict

    Likes Received:
    West London/Bucks Border
    All my shooting stuff is individually listed into my house insurance, it took a bit of sorting out as they wanted to list everything as shotguns.

    Each gun is listed with it's combined value including the scope, bi pod, sling, moderator and bag etc, and any equipment has been listed separately ;)
  5. SW-Novice

    SW-Novice Engaging Member

    Likes Received:
    Caerphilly South Wales
    My brother is an Independent insurance agent so I asked him about cover a few weeks back,
    the reply which took him a week to verify was alarming to say the least.

    normal household insurances cover is as follows unless additional terms are agreed in writing prior to cover:

    Nothing exceeding £500 unless itemised and agreed.
    Individual items limited to maximum of £1000
    All Items of value must have their serial numbers recorded on the cover policy where possible
    Items must have supporting receipts of purchase or dated valuation certificates and proof of ownership
    and the insurance value will be calculated minus depreciation.

    The other issue he pointed out was that a scope, silencer, magazine and bipod if fitted are deemed to be parts of the gun required for it's operation
    therefore a claim for the items if stolen cannot exceed £1000 in total as it would be classed as a single "gun", even if they were not attached at time of theft.

    my home insurance went up by £67.94 for £3k cover with agreed valuation with no depreciation as long as I provided receipts for purchases,
    servicing and maintenance and itemised proof of replacement costs. Photographs of each setup with their serial numbers and accessories
    listed have been taken and there is an excess of £150 on a claim.

    Try BASC for loss cover as I have been informed they have preferred insurance companies listed otherwise
    Average quotes came back for up to £5000 loss cover plus a £10m liability insurance of over £170 a year.
  6. Elk hunter

    Elk hunter Keyboard Hero

    Likes Received:
    Do you house insurance with the National Farmers Union (NFU). They they cover all guns and equipment as standard no questions.
    Im with them and a few years back I dropped a C/F rifle and broke te stock, they had it replaced at Norman Clarkes no questions asked. Also a friend of mine had his home turned over by thieves took all his air rifles. NFU paid in full on all the rifles. Don't think you can beat them.

  7. Steve K

    Steve K Posting Addict

    Likes Received:
    West London/Bucks Border
    I just had to list my stuff and it's value, i do have receipts if needed but, they weren't mentioned, so in my case i listed each rifle at it's brand new value, plus whatever is fitted to that rifle. Then i listed other stuff separately, they were pleased to know the guns are in proper gun safes though, not compulsory (sub 12ft/lb) but preferred by many insurance companies.

    Every year at renewal they just ask if i have the same guns, any added or removed?


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