TbirdX Posted October 1, 2011 Report Share Posted October 1, 2011 Does anyone inform thier house insurance they have firearms stored in the house? It crossed my mind that maybe I should but I've no idea what the norm is. Quote Link to comment Share on other sites More sharing options...
Sprackles Posted October 1, 2011 Report Share Posted October 1, 2011 I declared mine as I added them to the list of high value items. Didnt cost me any extra. Quote Link to comment Share on other sites More sharing options...
jimmyb79 Posted October 1, 2011 Report Share Posted October 1, 2011 Got them listed as high value items too - and covered for damage outside the house under personal possessions. Quote Link to comment Share on other sites More sharing options...
kent Posted October 1, 2011 Report Share Posted October 1, 2011 I always thought it best not to give information about were firearms are stored to unknown individuals. If asked by anyone if i store guns at home i always answer " you couldn't leve my house with a working firearm". strangely it seems to answer all thier questions in one go, if i need to claim i will fight it out with the insurer afterwards- Those people have more catches and get outs than any man could contimplate anyhow Quote Link to comment Share on other sites More sharing options...
clayman Posted October 3, 2011 Report Share Posted October 3, 2011 (edited) Most insurance policies automatically include any item you own up to individual value limits, and sporting goods are usually covered away from home as well. Unless the policy wording references guns in particular theres no real reason to have to inform insurers but it does nothing negative to do so. High value goods of any kind should be declared or their full value may not be covered in the event of a loss. Excesses will apply in most cases, and accidental damage will only be covered if you have that as part of or an extension in the HH policy. The only real caveat, will be that reasonable care must be shown to have been taken for the care and security of items if a claim was to be made. Edited October 3, 2011 by clayman Quote Link to comment Share on other sites More sharing options...
silpig5 Posted October 3, 2011 Report Share Posted October 3, 2011 barcleys home insurance is very good , even gave me a nice figure to replace my silver pigeon v should it get stolen or burnt ect . they class them as sporting goods and are covered for accidental damage away from home . 13quid per annum extra . thats all Quote Link to comment Share on other sites More sharing options...
4eyes Posted October 3, 2011 Report Share Posted October 3, 2011 MoreThan are the same too. I just told them I had them, to be on the safe side, and there was no issue at all. I did however add them to my 'away from home' cover and that added a tenner to the annual premium, but that's no big issue. So all above bored (sp) and covered for any accidents/theft away from home too. Quote Link to comment Share on other sites More sharing options...
Dr W Posted October 4, 2011 Report Share Posted October 4, 2011 I'm with Hiscox you don't have to specify high value items worth up to a certain amount but you have to make sure that the total covers all your items. Quote Link to comment Share on other sites More sharing options...
HDAV Posted October 4, 2011 Report Share Posted October 4, 2011 Halifax have no issue with "sporting goods" upto a limit or specified items over that limit Quote Link to comment Share on other sites More sharing options...
turbo33 Posted October 4, 2011 Report Share Posted October 4, 2011 (edited) Another vote for Barclays Just redone the buildings and contents insurance. By far the most competitive when you look at the excesses they all want to apply in the event of a claim. Didn't need to specify what I had, serial numbers or how many. Just told to make sure that the personal possessions figure was adequate for the individual item I wanted to take out. Other than that, if there was a total loss on them in the house, ie fire/flood/theft etc they are covered. The bonus was the entire insurance package buildings/contents was just about twice that of the quote I got for the guns alone from a specialist insurer and 40% cheaper than my present insurer quoted me for renewal without the guns. Barclays Edited October 4, 2011 by turbo33 Quote Link to comment Share on other sites More sharing options...
Psyxologos Posted October 5, 2011 Report Share Posted October 5, 2011 I just renewed with Direct line today. I managed to knock £150 off the premium, which was a bonus. They said that as long as the firearms are kept in the safe and are noth worth over £3000 each there is no need to declare them individually. Quote Link to comment Share on other sites More sharing options...
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