tom_0787 Posted February 28, 2011 Report Share Posted February 28, 2011 Tomorrow morning I am collecting my Browning 525 from #### following the damage caused to the barrels after being dropped. This has got me thinking. I have several thousand pounds worth of shotguns, rifes and scopes, none of which are insured. Our house insurance does not cover damage to sporting equipmemt when in use or out of the home. Has anyone taken out a policy just to cover their guns? Sporting Insurance Services will provide- - Loss of or damage to your sporting gun(s) and accessories - worldwide - £5,000,000 personal liability (on top of any cover provided by BASC, Countryside Alliance etc) - £20,000 personal accident cover - £300 personal shooting effects - worldwide - Legal Helpline They will cover my Browning 525, HMR, Mossberg, 22-250, MTC viper and a S&B 8x56 (supposing I opt for the schmidt!) for £110pa. What are your views? Quote Link to comment Share on other sites More sharing options...
dicehorn Posted February 28, 2011 Report Share Posted February 28, 2011 (edited) Our house insurance does not cover damage to sporting equipmemt when in use or out of the home. Has anyone taken out a policy just to cover their guns? They will cover my Browning 525, HMR, Mossberg, 22-250, MTC viper and a S&B 8x56 (supposing I opt for the schmidt!) for £110pa. What are your views? Tom, have you actually read in your policy conditions that your household policy specifically states it will not cover sporting goods. I am asking this because most contents insurance dont state sporting equipment but refer to single items like " your contents policy covers all household items up to a maximum of (say) £1500 for a single item" Not saying that you have misread it but probably your policy does not mention those pair of Gucci shoes of yours either(!) If however it does not cover your shooting equipement, you may find it cheaper adding it to your contents insurance than paying a premium on a stand alone policy and the price you quoted. Peter Edited February 28, 2011 by dicehorn Quote Link to comment Share on other sites More sharing options...
BlaserF3 Posted February 28, 2011 Report Share Posted February 28, 2011 I pay £15 for £2000 of cover for a shotgun on my household policy but the "gun" is not named, so I suppose it would cover say five or more guns, as you can only shoot one at a time. The insurance company do not know how may guns I own. The policy you mentioned seems good value, but I believe that only one insurer will pay out, in the event of a claim, regardless of how many polices that you have. Quote Link to comment Share on other sites More sharing options...
unclestuffy Posted February 28, 2011 Report Share Posted February 28, 2011 Our guns are covered on the house insurrance but we had to give concise desriptions - at least they are new for old Quote Link to comment Share on other sites More sharing options...
Vince Green Posted March 1, 2011 Report Share Posted March 1, 2011 Its probably cheaper to extend your house insurance. Quote Link to comment Share on other sites More sharing options...
silpig5 Posted March 1, 2011 Report Share Posted March 1, 2011 our barcleys home insurance covers everything in and out of the home , but they said my beretta was over £1500 single item so pay 3 quid extra for that , but they did value it at 2950 at last renual . Quote Link to comment Share on other sites More sharing options...
bongo321 Posted March 2, 2011 Report Share Posted March 2, 2011 I pay £15 for £2000 of cover for a shotgun on my household policy but the "gun" is not named, so I suppose it would cover say five or more guns, as you can only shoot one at a time. The insurance company do not know how may guns I own. The policy you mentioned seems good value, but I believe that only one insurer will pay out, in the event of a claim, regardless of how many polices that you have. unless someone steals them all , heaven forbid it never happens . Quote Link to comment Share on other sites More sharing options...
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