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Post by rodwilson on May 17, 2009 18:36:09 GMT
I'm having a frustrating time renewing my home and contents insurance. Seems insurance companies think I'm an Oddball because I have £30k of outbuildings containing growing contents of approx £15k. Seems they struggle with anything other than a house and garage.
One stumbling block is the fact that I don't have window locks on the dozen opening lights in the conservatory despite full security on the house and workshop proper.
Dialog is currently with RIAS, my current insurers, and Saga having proved unhelpful despite insuring several club members. I've also just made contact with NFU after their Sunday Paper Ad..
Anyone else experiencing similar problems?
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Post by 3405jimmy on May 17, 2009 18:39:17 GMT
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Post by alanstepney on May 17, 2009 20:22:58 GMT
I too have found Walker Midgley very helpful.
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Post by garethp on May 18, 2009 8:03:50 GMT
Insurance companies and the police prefer everything to be as secure as possible on the outside - if someone manages to get into your conservatory they then can spend more time and can make more noise overcoming the internal locks. If someone was battering away at a neighbours window I'd be suspicious but if someone was doing the same in a conservatory? I'd either never even see / hear them or assume it was a bit of DIY.
I'd go for walker midgley as well - you've got the peace of mind and proper cover.
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kingsteam9
Hi-poster
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Posts: 160
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Post by kingsteam9 on May 18, 2009 8:19:22 GMT
I found that my house insurers wouldn't extend the policy to cover my workshop which is in my garage in a separate block away from the house. I talked to the chap (forgotten his name)from Walker Midgley about it at the Midlands ME exhibition two years ago and he was very helpful indeed and arranged cover for just the workshop contents at a fairly modest premium. Worth a 'phone call at least, in my view.
Robin
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Post by durhambuilder on May 18, 2009 11:10:18 GMT
The NFU would be worth a call, they are more than happy to cover outbuildings / workshops etc, having said that Walker Midgely do offer a very comprehensive package.
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Post by rodwilson on May 28, 2009 19:07:50 GMT
I'll conclude this in case anyone does a later search. NFU were helpful but extending their outbuilding cover was very expensive as they would only cover on a new for old basis. (every Myford must be covered for approx £15k plus all other machinery on the same basis!). I now have a standard Home and contents policy with SAGA and a Model Engineers policy organised by Walker Midgley. The later covers machinery on a like for like basis with tool and tooling new for old. Materials and the ongoing project is also covered. Both companies have been informed of the other policy.
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ewal
Part of the e-furniture
Happiness is a good wife & a steam engine.
Posts: 293
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Post by ewal on May 28, 2009 19:39:50 GMT
The only insurance I have is my car which is compulsary.
Ewal.
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ewal
Part of the e-furniture
Happiness is a good wife & a steam engine.
Posts: 293
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Post by ewal on May 28, 2009 19:43:55 GMT
I forgot my house is the only one round here that hasn't been burgled.
Ewal.
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Tony K
Elder Statesman
Posts: 1,573
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Post by Tony K on May 29, 2009 8:37:59 GMT
The only insurance I have is my car which is compulsory. Ewal. Agree.  He who has money to waste on insurance does not deserve to have any money at all.  |
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Post by a4builder on May 29, 2009 18:22:06 GMT
hello
we get our club and workshop/model insurance from Footman james in Brum charge £7.5 per 1000 insured.
terry
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He who has money to waste on insurance does not deserve to have any money at all. 
