gameshooter09 Posted April 16, 2011 Report Share Posted April 16, 2011 Right guys, Basically my shotgun was drove over by a 4x4 (please don't laugh!) and its resulted in the stock being split in half and some other light damage.. I'm just wondering whether you guys would know whether I can claim on my shooting insurance (Countryside Alliance)? Thanks Quote Link to comment Share on other sites More sharing options...
Dempy Posted April 16, 2011 Report Share Posted April 16, 2011 Household? Quote Link to comment Share on other sites More sharing options...
BerettaSV10 Posted April 16, 2011 Report Share Posted April 16, 2011 Mine are covered on the contents insurance so worth checking out. Quote Link to comment Share on other sites More sharing options...
DSPUK Posted April 16, 2011 Report Share Posted April 16, 2011 had exactly same - claimed on household and had a new gun - funny thing is they never wanted old one -- I did get a gunsmith valuation on damage and costed up new gun - sent both to insurance company. - this was nearly 20 yrs ago and things may have changed. Dave Quote Link to comment Share on other sites More sharing options...
CZ550Kevlar Posted April 18, 2011 Report Share Posted April 18, 2011 Nobody else has laughed so i will I would have said household contents is the best route. Did you leave you gun leaning against a vehicle and it moved off? Quote Link to comment Share on other sites More sharing options...
JRDS Posted April 20, 2011 Report Share Posted April 20, 2011 I won't laugh, I went fishing yesterday and leaned over a bridge with my Mobile in my top pocket. My lad heard the splash and said was that a fish!! To answer your question your household insurance should cover it up to a certain value if your guns are not listed individually on your policy. Quote Link to comment Share on other sites More sharing options...
Cosd Posted April 20, 2011 Report Share Posted April 20, 2011 Sorry to hijack your thread gameshooter! Would I have to specify my guns on my household insurance for them to be covered? All my guns are well below any "single item" limit I have on my policy; But not sure if being guns they would be treated differently. Quote Link to comment Share on other sites More sharing options...
al4x Posted April 20, 2011 Report Share Posted April 20, 2011 talk to them Cosd or have a look at the policy small print, some do with no issues some you need to mention them. Have to say I'm over the limit on a couple so really ought to look into insuring them I just never have up till now. AFAIK no shooting organisation gives any cover for your guns they are retricted to personal accident and third party liability only though they do usually have links to specialist gun insurers Quote Link to comment Share on other sites More sharing options...
Cosd Posted April 20, 2011 Report Share Posted April 20, 2011 talk to them Cosd or have a look at the policy small print, some do with no issues some you need to mention them. Have to say I'm over the limit on a couple so really ought to look into insuring them I just never have up till now. AFAIK no shooting organisation gives any cover for your guns they are retricted to personal accident and third party liability only though they do usually have links to specialist gun insurers Just called Direct Line, they have noted now that I have guns at home, but since none are above my £5k single item limit, I do not need to specify them. They are covered away from the house but not during use, so they are covered during transportation, getting stolen from the car/clubhouse etc. So I'm happy with that! Quote Link to comment Share on other sites More sharing options...
DSPUK Posted April 20, 2011 Report Share Posted April 20, 2011 Funny i was looking this morning on household insurance as it's up in a few weeks and tesco actually listed guns on single item valuation over the single item limit. - never seen that before. Dave Quote Link to comment Share on other sites More sharing options...
BerettaSV10 Posted April 20, 2011 Report Share Posted April 20, 2011 Mine are listed as individual items, as they are probally over the undeclared single item limit. At least this way the insurance company knows I have them and they are fully covered. Quote Link to comment Share on other sites More sharing options...
chrispti Posted April 20, 2011 Report Share Posted April 20, 2011 Id be looking at going through the drivers insurance first Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.