spannermonkeymark Posted February 6, 2011 Report Share Posted February 6, 2011 do you have to inform your house insurance if you keep guns in the house ? Quote Link to comment Share on other sites More sharing options...
HDAV Posted February 6, 2011 Report Share Posted February 6, 2011 Check with insurer (be aware that call centre are unlikely to give a definitive answer and like the snow chain saga once they say something it can cause a big mess) but they come under "sporting goods" on most policies. Legally held guns should be no issue if legally stored... Quote Link to comment Share on other sites More sharing options...
Evil Elvis Posted February 6, 2011 Report Share Posted February 6, 2011 Mine are insured on the household insurance Quote Link to comment Share on other sites More sharing options...
mcw65 Posted February 6, 2011 Report Share Posted February 6, 2011 I have 7 on the house insurance but they have to be listed as personal items of over £1000 value Quote Link to comment Share on other sites More sharing options...
spannermonkeymark Posted February 6, 2011 Author Report Share Posted February 6, 2011 we are covered for personal items to the value of £500 none of my guns are worth £500 so should be covered just worried if somethin happened would are policy be void for not telling them i had guns in the house Quote Link to comment Share on other sites More sharing options...
officerdibble777 Posted February 6, 2011 Report Share Posted February 6, 2011 I have mine covered too,the girl at the call centre had never handled a gun request before,but after speaking to the under writers they wre completely happy to cover them as long as they are rerestered to you and kept locked in an approved safe when not in use john Quote Link to comment Share on other sites More sharing options...
spannermonkeymark Posted February 6, 2011 Author Report Share Posted February 6, 2011 did it cost more to cover your gun? Quote Link to comment Share on other sites More sharing options...
officerdibble777 Posted February 6, 2011 Report Share Posted February 6, 2011 did it cost more to cover your gun? no not a penny,and they are covered new for old.Insurance co.just has to know the single item value. john Quote Link to comment Share on other sites More sharing options...
steve_b_wales Posted February 6, 2011 Report Share Posted February 6, 2011 All my firearms are covered by my home insurance, including damage casued when using them. I did not have to give the description of each firearm, because not one exceeded £2500 in value. Quote Link to comment Share on other sites More sharing options...
leeds chimp Posted February 6, 2011 Report Share Posted February 6, 2011 All my firearms are covered by my home insurance, including damage casued when using them. I did not have to give the description of each firearm, because not one exceeded £2500 in value. I would be surprised at that as even my carping gear is not covered whilst !in use" Quote Link to comment Share on other sites More sharing options...
BerettaSV10 Posted February 6, 2011 Report Share Posted February 6, 2011 As the others mine are covered on my contents insurance, what is worth checking is, at what value do you you have to add them as a seperate item as this can vary with each insurance company. With one company they charged £10 for the first gun then nothing for the others, the new company made no charge at all. Quote Link to comment Share on other sites More sharing options...
PhilR Posted February 6, 2011 Report Share Posted February 6, 2011 My guns are listed as individual items on my household policy with the NFU, they're covered at all times. Quote Link to comment Share on other sites More sharing options...
Evil Elvis Posted February 6, 2011 Report Share Posted February 6, 2011 I went to insure all mine individually, but they said that as i could only use one at a time the would insure one gun up to the value of £2500 in the field and all of them in the cupboard up to a max value of £2500 each. It costs me £15 a year, i thought that was quite reasonable Quote Link to comment Share on other sites More sharing options...
agusta Posted February 6, 2011 Report Share Posted February 6, 2011 did it cost more to cover your gun? Costs me an extra £15p/a, best to check with your insurance company as it obviously differs. Quote Link to comment Share on other sites More sharing options...
spannermonkeymark Posted February 6, 2011 Author Report Share Posted February 6, 2011 Thanks all will be gettin intouch with my house insurance on monday Quote Link to comment Share on other sites More sharing options...
100milesaway Posted February 8, 2011 Report Share Posted February 8, 2011 Thanks all will be gettin intouch with my house insurance on monday I include mine on my house insurance and have it as a named item up to £2500 value, it was only afew pounds extra and that includes when it is in my car or out in use also included for taking it to New Zealand for no extra, the insurance is RIAS, for over55's. It does have compensations and was cheaper than SAGA. from Auntie. Quote Link to comment Share on other sites More sharing options...
djgeoff Posted February 8, 2011 Report Share Posted February 8, 2011 yeh both mine are covered on house ins, and away from home as well, eg in the field etc, think it was extra £15 or around that, cant rem without looking it up, thats with Castle Insurance if its of any use to u Quote Link to comment Share on other sites More sharing options...
semiautolee Posted February 8, 2011 Report Share Posted February 8, 2011 i wonder if mine are covered by the house insurance i will have to check this out................. let you no when i do Quote Link to comment Share on other sites More sharing options...
spaniels Posted February 8, 2011 Report Share Posted February 8, 2011 Posted this on the direct line post, more useful on this topic- Just a word of warning, my folks had a fire a number of years ago, there house insurance were very difficult about guns as they should have been listed as separate items. Fire was in the same room as the guns. They happily paid for re painting the house, new carpets and everything else running into the ten of thousands, but the guns they had real issues with. I would strongly recomend that anyone let the insurance company know you have guns and how many and value. Could save alot of heart ache. To add to this one gun was english and worth more than £2500 and to repair it was touch and go, if it failed the proofing then they it would mean trying to get them to pay for a new one. Getting a true English gun made to same quality would have cost thousands...according to the gunsmith. Lucky for them it passed. Quote Link to comment Share on other sites More sharing options...
berties Posted February 8, 2011 Report Share Posted February 8, 2011 after 10 years of internet sites have gone back to a old school broker due to the construction of my house being unconventional,and insurance companies are tightening up on every risk,they have insured the guns for damage and theft whilst in the house,so any damage will be done in the house!! and as for theft or loss outside the house well I just would not leave it un attended,and there was no extra cost Quote Link to comment Share on other sites More sharing options...
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