Insurance cover

[petergc]

I've had a quick search but not found anything.

Now i have an extremely expensive mount I get a little paranoid about leaving it. My question is...

What, who and where could I find insurance cover for my beloved equipment. ?

[Ant]

My household insurance covers mine, even for the garden/shed/garage.

With my policy any single item over £1500 needs to be listed separately.

It's worth talking to your contents insurer and asking the question.

Ant

[steppenwolf]

My household insurance does the same  as Ant's - I have, however, notified my insurance company of the location of the equipment and they are happy.

[Spikey]

Snap....my household policy is the same it covers all my equipment, whether at home or elsewhere. I didn't even have to specify the items.

[allen g]

I reside in Los Angeles. I have a homeowners policy and my kit was added at a very low cost (if stolen or damaged).

[Ibbo!]

ours is much the same as above

i have to list the items but are covered home and away

thanks for the timely reminder as I must update that list to cover the newly acquired bits and bobs

Steve

[ronb]

If you are thinking of using your household insurance policy check the small print first.

I also collect vintage guitars and have several worth a few thousand pounds. Even though they were only covered while at home I did have all my guitars listed on my household policy for several years, at an appreciable increase in the premium, until I discovered that although all guitars were listed the insurance company would only pay out for one guitar in the event of a claim. So effectively only one guitar was covered.

It may depend on the insurance companiy's idea pf risk but it's worth checking directly with the company if you have several items of large value.

[Owmuchonomy]

Be very careful. In my experience household policies are inadequate. Listing the limit on a single item is irrelevant. In the event of a claim they add up all your contents value stolen or not and very often say that you were underinsured if it exceeds the total limit you set. Seek advice. Sky at Night contains ads for insurers specialising in Astro.

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[L8-Nite]

A separate rider on my home insurance was not expensive, and covers specified equipment against loss.

It cost about £20 for £20,000.oo worth of coverage.

[bobmoss]

I've had a quick search but not found anything.

Now i have an extremely expensive mount I get a little paranoid about leaving it. My question is...

What, who and where could I find insurance cover for my beloved equipment. ?

I'm a bit late replying to this but check out Glover and Howe insurers www.gloverhowe.co.uk

I've got all my photography and astronomy gear covered by them. It's an all risks policy so covers theft and accidental damage including away from home.

I recently had to make a claim for replacing my LX200 after dropping my tripod on it - they were very good, and paid out quickly with no questions asked.

[jam1e1]

My household cover from 'high street 'insurer includes scope and accessories via the personal items extra for away from home, when was one the phone I walked through a few specific scenarios with insurer and they said all covered. Hence why appears ok.

See the point about cover level, what you have to watch is that say you take 40k worth cover, they break that 40 into sections and types of content hence you need to cater for the type of objects most care about and check value falls within sub bracket I.e computing will only come to say 2k max out of 40k, don't just add up all contents and assume cover spread evenly. In above example say need 3k on computing u may have to up overall cover to say 45 or 50k

[dph1nm]

See the point about cover level, what you have to watch is that say you take 40k worth cover, they break that 40 into sections and types of content

They would have to state this in your terms and conditions, otherwise I don't see how they could enforce it.

NigelM

[Owmuchonomy]

Maybe, but personal experience is that they use this approach. Who reads Ts and Cs?

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[Space Bat]

My home insurance has a separate listing for all my Astro gear - I have also an inventory with photo's and current replacement costs....

Assessors can be (insert expletive here) and to be fair its their job to make sure they are no paying out where they feel that the costs are exaggerated or untrue...so it makes sense to cover this by having evidence - receipts and photos etc.

[Owmuchonomy]

My home insurance has a separate listing for all my Astro gear - I have also an inventory with photo's and current replacement costs....

Assessors can be (insert expletive here) and to be fair its their job to make sure they are no paying out where they feel that the costs are exaggerated or untrue...so it makes sense to cover this by having evidence - receipts and photos etc.

Ditto that.

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[jaspalchadha]

Be careful with glover and howe there don't cover for roll off obs or wooden structures

[Skynovice]

My home insurance covers mine; but I would advise you to check with your insurers that you have full cover as regards to your policy.

S.

[Moonshane]

you just need to be honest/accurate about the level of the whole house contents' value.  you cannot really complain or expect them to pay out if you pay a premium to cover the risk of e.g. £50k when the actual overall value / risk is £100k.

my insurance company covers my items when out in the garden, in the house and has a block / standard contents value which for me is more than adequate.

as suggested though, the mettle of an insurer manifests itself when they are asked to pay out.

[coatesg]

Try an insurance broker - I went through this a while back with specific requirements in their office (I use A Plan) - specifically covering the observatory (location, construction, contents, etc), as well as other possessions, accidental cover, etc.. Think my cover uses Axa Extra as the policy if that helps.

[RT65CB-SWL]

I pay an extra £12.00GBP per year on top of the 'normal' home contents insurance. I found out after I had my accident with my ETX105 that it was not covered at the time, so it makes sense and peace of mind.