''INSURANCE''workshop and tooling, e/t/c

[lancelot]

Hello all,
on the wallet busting subject of ''insurance'', I wonder just how many of us have the tools and products of our hobby protected. I am now finding that many insurance companies are not covering under contents as they used to and the cost is rapidly increasing for cover, they seem to classify our hobby as something else when the word ''workshop'' rather than ''shed''is used.
Your input on this is appreciated.
All the best for now,
John.

[GeorgeRay]

I discovered at my last renewal that my house insurance company have not provided cover in the past and will not do so under any circumstances. However the Southern Federation insurers do provide cover, and that has just reminded me I have not yet taken it out.

[chris vine]

Hi John,

I have found the commercial firm Walker Midgely to be very helpful.

They will provide cover for models, workshops etc and also 3rd party cover for damage to others. Either on a garden track or at a club.

Their prices are reasonable, I think. (I hope they don't read this and put them up!!)

Chris.

[houstonceng]

Hi all

I managed to get insurance cover for my "hobby room" equipment. My wife was asked for an inventory of every single article worth more than £1,500. Like Lathe, Mill, Wood Planer/Thicknesser, etc. (Left my "lady wife" with the job becasue she can ask the "silly woman questions" and get answers whereas when I ask, the operative serems to think I should fully understand their technical terms and, so, doesn't explain to my satisfaction.)

Best bit was when the Insurance Operative said, "Of course, any article over £1,500 must be kept in a safe". After my wife had stopped "peeing herself laughing", she explained that the safe would be the size of an average garage - which was why I kept the large, expensive bits in one. Operative saw the point.

I'd suggest that you don't use the term "Workshop". Domestic insurers can't cope with it. Smacks of "Industrial" ! Try "hobby room" like I did. (Sorry SWAMBO did on my suggestion)

Andy

[Donald G]

Hi,
Our insurace company for house contents, I cannot remember their name as I sit here, but they have insured my 'workshop' which is a wooden shed, together with my ML7, Naerok mill, tooling, and my 2" traction engine, and my other models. Their only proviso, I had to fit the door with a close type Yale padlock, that cnnot be cut easily.
I will admit, our contents insurance isn't cheap, but it does give peace of mind.
Donald

[Jo]

Having had a visit from the local planning enforcement inspectors to my garage and "workshop". I have been advised by them that I should call it a "shed" not workshop....

My household contents insurance seems happy with the idea of insuring the contents of my "shed" especially as we have an agreed not new for old, just replacing like for like. They also appreciated the challenges of stealing a 3/4 ton lathe or milling machine....

However I am looking to take out the southern fed insurance on my castings: It came quite a shock when I realised just the parts for my 5" royal Scot would rather exceed the £2.5K limit for a single item. On top of that I cannot see an insurance company realising that a 2" Clayton and a 5" locomotive is not the same item when it is just a pile of castings....

[ron]

After the effort it took to get the lathe and milling machine into the workshop [sorry shed] I think the chances of them getting stolen are remote indeed, however the tools are another matter, I keep them in two locked steel 'wardrobes', must check and see what my insurance actually covers, if anything!
Ron

[lancelot]

Hello again folks,
thank you all for the most informative answers to the above topic, as most would suggest ''SHED'' is the operative word, indeed mine had to be rebuilt around the lathe, it would be the most ingenous thief who tried to remove it.
All the best for now,
John.

[havoc]

While the contents of my shed could be loaded in the back of a car, it would take longer than most thieves care to take. But what about fire? Think I must talk to the insurers about that.

[Shawki Shlemon]

Thief's broke into my shed on 13/12/2000 and stole a 5" SMR10 2-8-2 tank engine and a 7.25 cattle wagon . The insurance company NRMA (Sydney Australia ) told me that my so called a model in fact is a vehicle carries people from A to B therefore they have to be insured separately but they will not insure them .I lost everything .
Shawki

[Uzzy]

I looked into insurrance and got a an information pack from a company up north Manchester I think, If I find the paperwork I will post the details on this site. Maybe some one else has information.

[steamjohn248]

I support the view that Walker Midgley are the best bet. As a member of the 7 1/4" Gauge Soc. they offer me cover on loco, tools, trailer, workshop and so on and so forth. Give them a try.

Steamjohn