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Dec 11, 2011 21:37:05 GMT
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Evening all. I tried doing some searching for this on the forum but didn't find anything, so hear goes: I imagine alot of people on here, like me, rent units for their projects because garages are either too titchy or hard to come by. I rent a unit about 15 miles from my house and, as well as my beemer, it now has all my tools in there. I know the absolute value of all my stuff isn't much, probably totalling ~£3k including the car parts that aren't yet on the car(!), but I'd still like them insured. Question is: how? The landlord won't, and neither will any insurance company i've tried; even if I were to take out a whole house contents policy and tag it on to that  NFU made me laugh, as whilst they are the only people to offer me insurance it was for everything but theft  Is anyone able to shed any light on the situation? Thanks in anticipation, Matt |
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Last Edit: Dec 11, 2011 21:37:25 GMT by knobstar
"Mechanical Power Subduing Animal Speed" (Robert Trevithick, 1808)
'72 BMW 2000 Touring
'99 TT 180 (mrs)
'72 BMW 2500
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Dec 11, 2011 21:58:06 GMT
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Would be interested to know about this also, as Ive just rented a unit with a friend, same sort of situation.
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bryn
Posted a lot
Posts: 3,913
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Dec 11, 2011 22:15:45 GMT
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Competition Car Insurance used to offer a policy that would cover a car and tools of a pre-agreed value. But I'm not sure about there restrictions on location, a lot of units suffer as they don't have proper addresses, meaning they're harder to identify when it comes to rating them.
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Volvo, Buggy, Discovery and an old tractor.
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Dec 12, 2011 12:09:31 GMT
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I asked this in garage communities a while back - no replies.
And guess what? We got done over 3 or 4 weeks back - about £2k of tools gone.
Anyway, an "Insure everything" shop has just opened around the corner from me, so I'll pop in in the morning and see what they say.
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'83 GTM Coupe. 4A-GE Powered
'00 GTM Libra Auto. Ick.
'71 Detomaso Pantera. Current Resto
'89 GMC Safari Tow/Kip bus
'05 SAAB 9-3 Daily
'71 Siva Moonbug. Not even contemplating resto yet.
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Dec 12, 2011 22:26:52 GMT
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Any more ideas on this guys n gals?
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"Mechanical Power Subduing Animal Speed" (Robert Trevithick, 1808)
'72 BMW 2000 Touring
'99 TT 180 (mrs)
'72 BMW 2500
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Dec 12, 2011 22:29:48 GMT
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speak to a specialist insurer. I know my cars and parts are insured through Peter James, luckily I can keep all my tools at home so never had to ask about that.
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1937 Austin Street Rod - 1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1976 Rover V8 - 1994 Ford Fiesta
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Dec 13, 2011 13:19:44 GMT
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Bear with me - I'm waiting for a phone call after a conversation this morning.
If they come up with anything sensible I'll post their details.
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'83 GTM Coupe. 4A-GE Powered
'00 GTM Libra Auto. Ick.
'71 Detomaso Pantera. Current Resto
'89 GMC Safari Tow/Kip bus
'05 SAAB 9-3 Daily
'71 Siva Moonbug. Not even contemplating resto yet.
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bortaf
Posted a lot
Posts: 4,549
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Dec 13, 2011 13:41:23 GMT
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wood built i found was VERY difficult to get insurance i found, i tried my trade insurance and on it i'm coverd but only in a brick build building ?
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R.I.P photobucket
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Dec 13, 2011 19:27:02 GMT
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I asked this in garage communities a while back - no replies. Insurance Broker here and I never go in there I'm afraid. Then again, this one's got me stumped! A Motor Trade Combined policy is the obvious answer, but obviously no good if you're not in business and it will be subject to minimum premium levels. The likes of Aviva aren't too bad for a little policy covering Road Risks, Public Liability/Servicing Indemnity and some Contents cover though. I'd say Akku's on the right track with an enthusiast's broker like Peter James etc. As long as the unit's secure they shouldn't mind too much whether the risk is next to your house or elsewhere. Will be interested to hear how you get on with that there 'insure everything' shop Pantera. Is that your term or theirs?! |
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@pistonbroker on Twitter
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Dec 13, 2011 21:53:50 GMT
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Heh! My term.
By the looks of their shop window claims you'd think they'd insure self made spaceships.
No call as yet tho.
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'83 GTM Coupe. 4A-GE Powered
'00 GTM Libra Auto. Ick.
'71 Detomaso Pantera. Current Resto
'89 GMC Safari Tow/Kip bus
'05 SAAB 9-3 Daily
'71 Siva Moonbug. Not even contemplating resto yet.
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Ironically, a self-made spaceship wouldn't be that hard to place in Lloyd's . . .  I'd have a proper look into this myself but I'm currently sat on Garden Leave having handed my notice in at the start of the month. Timing or what?! My soon-to-be previous employers have got a Commercial office in Stoke. Rhymes with Swindon. They might be worth giving a shout but make sure it's the Commercial guys - we know what we're talking about, best I don't get started on the Private Car/Household lot . . . It would be a case of convincing an underwriter to go for it which is what your 'insure everything' guys will be doing at the moment. If the likes of Peter James are already placing a load of tools on their scheme then they'll have more clout with the underwriter when trying to get this query past them. |
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@pistonbroker on Twitter
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NFU made me laugh, as whilst they are the only people to offer me insurance it was for everything but theft 
