I've got a heap of gear to sell soon but waiting for fisheries to reopen before trying to sell it
I'm assuming it will sell better when the fisheries reopen ??
I'm assuming it will sell better when the fisheries reopen ??
In reply to Post #31
Nah, you want to sell it now while all the anglers are making impulse lock-down purchases lol.
Nah, you want to sell it now while all the anglers are making impulse lock-down purchases lol.
In reply to Post #27
It all depends on your policy and loss adjuster....one of my close friends is a loss adjuster for the largest insurance company in the uk....
He said you don't need pics or receipts for everything as they take into account probability I.e if you had a 20 yr old rod then wouldn't expect you to have a receipt.....but they would expect them for more recent purchases.... But pics do help.....
Also if you have to top end gear but only receipts for low costs items then they would maybe request further proof if you were claiming for all top end gear..... He said the best thing to check is new for old, as you will have depreciation involved in the claim...you would get next to nothing for gear a few years old...
A loss adjuster ( well my mate) will always try to cash settle as its cheaper in the long run as they will try to offer you slightly less than what it would cost to replace....they haven't got the hassle of sorting it out..and paying wages to do so.... He said they would prefer a cash settle to any claim whatsoever.......
He has advised my when I buy anything take a quick photo of the recipt, a few photos of the item and store in the I cloud or equivent....then you have them forever...hopefully you will never need them but there available easily if you do....
It all depends on your policy and loss adjuster....one of my close friends is a loss adjuster for the largest insurance company in the uk....
He said you don't need pics or receipts for everything as they take into account probability I.e if you had a 20 yr old rod then wouldn't expect you to have a receipt.....but they would expect them for more recent purchases.... But pics do help.....
Also if you have to top end gear but only receipts for low costs items then they would maybe request further proof if you were claiming for all top end gear..... He said the best thing to check is new for old, as you will have depreciation involved in the claim...you would get next to nothing for gear a few years old...
A loss adjuster ( well my mate) will always try to cash settle as its cheaper in the long run as they will try to offer you slightly less than what it would cost to replace....they haven't got the hassle of sorting it out..and paying wages to do so.... He said they would prefer a cash settle to any claim whatsoever.......
He has advised my when I buy anything take a quick photo of the recipt, a few photos of the item and store in the I cloud or equivent....then you have them forever...hopefully you will never need them but there available easily if you do....
In reply to Post #33
I've got a heap of gear to sell soon but waiting for fisheries to reopen before trying to sell it
I'm assuming it will sell better when the fisheries reopen ??
I've got a heap of gear to sell soon but waiting for fisheries to reopen before trying to sell it
I'm assuming it will sell better when the fisheries reopen ??
In reply to Post #33
Depreciation? Hmmmm. Not sure about that. Fishing tackle isn't like a car. If you had a set of top end rods eg free spirit/harrisons that cost about £750 quid 10 years ago, to replace like for like would probably cost a grand now. Nor could you replace a top end 3 grand bait boat for a grand depreciation adjusted.
Maybe better to have a new for old insurance policy for tackle?
Depreciation? Hmmmm. Not sure about that. Fishing tackle isn't like a car. If you had a set of top end rods eg free spirit/harrisons that cost about £750 quid 10 years ago, to replace like for like would probably cost a grand now. Nor could you replace a top end 3 grand bait boat for a grand depreciation adjusted.
Maybe better to have a new for old insurance policy for tackle?
In reply to Post #19
5 bedchairs hahaha wow
5 bedchairs hahaha wow
In reply to Post #35
I agree but they sometimes have things like 10% reduction in cost for every year old the item is...
So if you had 1000 rods which were 5 years old they'd only pay out 500
That's why he recommended new for old....
I agree but they sometimes have things like 10% reduction in cost for every year old the item is...
So if you had 1000 rods which were 5 years old they'd only pay out 500
That's why he recommended new for old....