fortune Posted May 22, 2016 Report Share Posted May 22, 2016 At the moment I am insured for the above with NFU but This years quote has come in about £250 MORE than last years quote. In the past I found that a lot of companies wouldn't quote with the guns. If you've got guns on your policy wording as over the £1500 per item who are you insured with? Quote Link to comment Share on other sites More sharing options...
PhilR Posted May 22, 2016 Report Share Posted May 22, 2016 I'm with NFU for home contents. All my guns are specified items, I've made a claim for a broken stock and also for two guns which were stolen from an hotel room. In both instances they paid the claims quickly and without question. They are dearer than other insurance companies but I prefer them because of the peace of mind knowing they'll pay up in the case of a claim. Quote Link to comment Share on other sites More sharing options...
Scully Posted May 22, 2016 Report Share Posted May 22, 2016 NFU for contents and guns. Guns are specified separately with cheapest worth around £225 and dearest worth around £2500. Last years quote was £205. I haven't looked anywhere else for guns insurance. Have you tried cancelling your policy and joining again as a new customer? Quote Link to comment Share on other sites More sharing options...
steve_b_wales Posted May 22, 2016 Report Share Posted May 22, 2016 All my firearms come under 'Sporting Goods' on my house insurance.I only have to name them if any are worth over £3000. Quote Link to comment Share on other sites More sharing options...
fortune Posted May 22, 2016 Author Report Share Posted May 22, 2016 Thanks for the replies chaps. For the past 3 years I have had the house, contents and sporting goods insurance with NFU and had the more expensive stuff itemized. I went with them because a lot of companies wouldn't cover the guns. The renewal premium has just come in and this year and it is £730. Every year it has a big jump and it is getting top heavy. I have just done an online quote and have hunted out cover which is equal to or betters the existing cover and have come out with a quote for £420. Saving £310. What I would like to know is what companies have the members of this house used with regard to the itemization of the more expensive guns cover. Quote Link to comment Share on other sites More sharing options...
Sussexboy Posted May 22, 2016 Report Share Posted May 22, 2016 I use Nationwide and have everything covered, including specified rifles over £3000. Quote Link to comment Share on other sites More sharing options...
rimfire4969 Posted May 22, 2016 Report Share Posted May 22, 2016 I use NFU for my house, contents, business, machinery, camping pods, public liability, employers liability etc. etc. I have any item worth over 2k in my contents named which includes guns. I saw an increase this year and come February I will be having a hunt around it just takes so long to go through everything with a new insurer. Think I will photocopy my policies without any prices and get them to quote like for like. Quote Link to comment Share on other sites More sharing options...
old'un Posted May 22, 2016 Report Share Posted May 22, 2016 Your postcode can make a big difference to your annual premium, this year 2016 we paid £201, for this we get Legal Cover, £1 million building cover with full accidental damage, £60k for general contents with a maximum of £1500 for any unspecified item away from home, this policy also gives me cover on specified (named) items away from the home up to £10k. Excesses are, escape of water £350, accidental damage £150, personal possessions away from the home £100. It was the best quote that also covered my guns as some insurance companies will not cover guns, Insurance company LV= Liverpool Victoria, I did this by phone as I like to ask questions to make sure everything is covered. Quote Link to comment Share on other sites More sharing options...
Dougy Posted May 22, 2016 Report Share Posted May 22, 2016 I've recently changed to saga, house insurance 500 cheaper than previous plus I have added sporting goods. Including rifles plus scopes and covered if used away from home. All for less than 1/2 of my previous insurance company's quote. Quote Link to comment Share on other sites More sharing options...
minibbb Posted May 22, 2016 Report Share Posted May 22, 2016 My buildings and contents insurance is £120 per year. When I was on the phone to renew she asked about items of value and I mentioned my guns. With this the woman says "oh we don't cover shotguns or firearms, we'll have to refer to the underwriters" Now this is news to me- I assumed as items worth £800 or less they'd be covered. Now I'm not sure whether the company will let me renew but without covering the guns or refuse me cover altogether! Quote Link to comment Share on other sites More sharing options...
old'un Posted May 22, 2016 Report Share Posted May 22, 2016 My buildings and contents insurance is £120 per year. When I was on the phone to renew she asked about items of value and I mentioned my guns. With this the woman says "oh we don't cover shotguns or firearms, we'll have to refer to the underwriters" Now this is news to me- I assumed as items worth £800 or less they'd be covered. Now I'm not sure whether the company will let me renew but without covering the guns or refuse me cover altogether! Yep..a lot of insurance companies will not (cover) insure guns, you always need to ask. Quote Link to comment Share on other sites More sharing options...
fortune Posted May 22, 2016 Author Report Share Posted May 22, 2016 (edited) I've recently changed to saga, house insurance 500 cheaper than previous plus I have added sporting goods. Including rifles plus scopes and covered if used away from home. All for less than 1/2 of my previous insurance company's quote. The quote that I have generated for this year is with Saga and equals or exceeds the NFU cover for £310 saving! Down to a premium of £420. As opposed to the NFU quote of £730. Where do they generate these stupid quotes from? Surely someone should be able to see that customers migrating from company to company. I've a good mind to ask NFU to have a look at the quote and tell them what I'm prepared to pay and chop it back to the first year quote and then some Because the risk is the same And we haven't claimed in the Three years we've been with them so we should get a No claim discount like a car. Even then it won't match the Saga quote. Edited May 22, 2016 by fortune Quote Link to comment Share on other sites More sharing options...
old'un Posted May 22, 2016 Report Share Posted May 22, 2016 My buildings and contents insurance is £120 per year. When I was on the phone to renew she asked about items of value and I mentioned my guns. With this the woman says "oh we don't cover shotguns or firearms, we'll have to refer to the underwriters" Now this is news to me- I assumed as items worth £800 or less they'd be covered. Now I'm not sure whether the company will let me renew but without covering the guns or refuse me cover altogether! When I asked one insurance company why they did not cover guns they told me my house was a higher risk because criminals might brake in to steel my guns if they know I keep them at home. I replied.....well they may also think twice about braking in if they know I am armed! There was deadly silence....then, sorry we cannot help you....is there anything else I can help you with. No thanks bye. First thing I always ask before letting them get deep into their sales script is...do you cover guns. Quote Link to comment Share on other sites More sharing options...
Footu Posted May 22, 2016 Report Share Posted May 22, 2016 My quote was 150 for around 7.5k of gun cover, new moon insurance. I wanted to go with what basc advised as I want them covered if they get damaged in use as well as stolen. Quote Link to comment Share on other sites More sharing options...
Mitchiet123 Posted May 22, 2016 Report Share Posted May 22, 2016 (edited) Direct line- don't have to specify anything under £4k. They wanted to know which Guns I had but it sounded more like curiosity.they said if collection exceeds £10k total then let then know. All scopes and accessories covered- unless single article is over £4k Oh and I pay £150 per annum for something like £75k of contents insurance, new for old, cover away from home. Edited May 22, 2016 by Mitchiet123 Quote Link to comment Share on other sites More sharing options...
minibbb Posted May 23, 2016 Report Share Posted May 23, 2016 Insurance called me back- £127 buildings and contents inc cover for my guns (at home only) That's computerquote insurance via confused.com Pretty happy with that!! Quote Link to comment Share on other sites More sharing options...
shaun4860 Posted May 24, 2016 Report Share Posted May 24, 2016 I'm with Sheila's Wheels for house and contents, Guns are listed as sporting equipment but they know they are shotguns, I had to pay a bit extra as 1 gun is over £1k so I'm covered up to £3k which is enough for now, anything under £1k is automatically covered Quote Link to comment Share on other sites More sharing options...
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