Any recommendations for tackle insurance companies? Want to leave my gear in my van so need cover to cover theft from the motor is possible ?
In reply to Post #1
There's a thread from a couple of months ago with 35 posts entitled "Tackle insurance". Have a butchers at that mate.
There's a thread from a couple of months ago with 35 posts entitled "Tackle insurance". Have a butchers at that mate.
In reply to Post #1
I had a right ball ache with Royal sun alliance (more than) last year after getting my gear robbed from my shed, eventually they paid out but it wasn't easy even with loads of proof of ownership and cover for items out side of the house etc.
All I will say is keep your receipts/order confirmation emails/ bank statements for as much of your gear as possible, I had some items like a set of rods and reels that were getting on for 20 years old (Daiwa amorphous beach rods) that they wanted receipts for, I get that you have to prove you actually own stuff but when they say even having photos going back years and years showing you with the rods and reels isn't really good enough it makes you feel like your heads going to explode!
I had a right ball ache with Royal sun alliance (more than) last year after getting my gear robbed from my shed, eventually they paid out but it wasn't easy even with loads of proof of ownership and cover for items out side of the house etc.
All I will say is keep your receipts/order confirmation emails/ bank statements for as much of your gear as possible, I had some items like a set of rods and reels that were getting on for 20 years old (Daiwa amorphous beach rods) that they wanted receipts for, I get that you have to prove you actually own stuff but when they say even having photos going back years and years showing you with the rods and reels isn't really good enough it makes you feel like your heads going to explode!
In reply to Post #1
I suspect if you want cover for gear in your vehicle it will have to be provided by your vehicle insurer.
I suspect if you want cover for gear in your vehicle it will have to be provided by your vehicle insurer.
In reply to Post #4
They might want a van vault fitted too
They might want a van vault fitted too
In reply to Post #5
Ah I did ask my van insurance if they offer contents cover and they said no
Ah I did ask my van insurance if they offer contents cover and they said no
In reply to Post #6
Not sure it if covers been left in the car, but I moved to M&S insurance as it covers me for rods away from home. This includes if I'm asleep in the bivvvy and they are stolen.
Actually very reasonable cost wise as well.
There was a thread about this some time ago, which is where I got to know about the above, maybe worth a search as it was well discussed from what I recall.
Not sure it if covers been left in the car, but I moved to M&S insurance as it covers me for rods away from home. This includes if I'm asleep in the bivvvy and they are stolen.
Actually very reasonable cost wise as well.
There was a thread about this some time ago, which is where I got to know about the above, maybe worth a search as it was well discussed from what I recall.
John Lewis cover mine at the moment, and theoretically when I'm doing nights (I managed to get that on paper). They also cover the tackle in the car.
Thanks for the heads up on M&S-will have a look when mine renews.
Thanks for the heads up on M&S-will have a look when mine renews.
In reply to Post #1
Asking for trouble storing your gear permanently in a van but if you have no other choice then needs must.
Most household policies will cover items in your vehicle but only if they are in a locked boot or out of sight, (glove compartment). You have 2 issues though, first watch out that there may be a limit for items in a vehicle, secondly, reasonable care.....if the insurers establish that you were permanently storing your gear in your van they may deem that you were not taking reasonable care to protect it properly.....(this is why tradesmen have difficulty with claims for tool thefts).
Asking for trouble storing your gear permanently in a van but if you have no other choice then needs must.
Most household policies will cover items in your vehicle but only if they are in a locked boot or out of sight, (glove compartment). You have 2 issues though, first watch out that there may be a limit for items in a vehicle, secondly, reasonable care.....if the insurers establish that you were permanently storing your gear in your van they may deem that you were not taking reasonable care to protect it properly.....(this is why tradesmen have difficulty with claims for tool thefts).
Insurance generally functions to cover unfortunate rare unexpected incidents resulting in loss or damage not of your fault however it seems unlikely you'll find a policy to cover not if as is normal but when your tackle is stolen! Advertising the storage place of potentially thousands of pounds of no doubt top of range tackle whilst inquiring about insurance cover looks well.......
In reply to Post #1
Hi I don't check this site all the time but I did post on the previous thread and the moderators of the site said they were happy for me to post periodically. I run Anglers First Insurance which is a specialised fishing insurance product at www.anglersfirstinsurance.co.uk where you can apply online. The insurer is a syndicate at Lloyd's of London. The policy does cover fishing equipment stolen in your van, however we don't insure it if it is kept there permanently. We would only cover overnight the night before you go or the night after you've come back. We also cover you in the house, in outbuildings, storage facilities as well as on the bank. It also covers you for trips to France etc. We also cover accidental damage and the policy covers personal accident and personal liability insurance too for your fishing. We don't cover sea fishing (not relevant for carp! and we don't cover loss where you have left something behind and go back later and find its gone). All fishing equipment is insured BUT for items that individually cost over £300 we do need a list of those items and for those items if you make a claim we would need some form of proof of ownership (e.g. receipt/ confirmation from fishing tackle shop you bought the item from them/ web account history/ email trail from purchaser agreeing purchase etc).
We offer 10 monthly payments or a one off annual payment. We offer cover for up to £2k, £4k, £8k, £12k and £16k worth of equipment.
All the policies are different so please check carefully. If anyone ever has any questions about our insurance you can always call us on 0800 0355842 or email us at info@anglersfirstinsurance.co.uk. We are a family owned insurance broking business and we are authorised and regulated by the FCA.
Hi I don't check this site all the time but I did post on the previous thread and the moderators of the site said they were happy for me to post periodically. I run Anglers First Insurance which is a specialised fishing insurance product at www.anglersfirstinsurance.co.uk where you can apply online. The insurer is a syndicate at Lloyd's of London. The policy does cover fishing equipment stolen in your van, however we don't insure it if it is kept there permanently. We would only cover overnight the night before you go or the night after you've come back. We also cover you in the house, in outbuildings, storage facilities as well as on the bank. It also covers you for trips to France etc. We also cover accidental damage and the policy covers personal accident and personal liability insurance too for your fishing. We don't cover sea fishing (not relevant for carp! and we don't cover loss where you have left something behind and go back later and find its gone). All fishing equipment is insured BUT for items that individually cost over £300 we do need a list of those items and for those items if you make a claim we would need some form of proof of ownership (e.g. receipt/ confirmation from fishing tackle shop you bought the item from them/ web account history/ email trail from purchaser agreeing purchase etc).
We offer 10 monthly payments or a one off annual payment. We offer cover for up to £2k, £4k, £8k, £12k and £16k worth of equipment.
All the policies are different so please check carefully. If anyone ever has any questions about our insurance you can always call us on 0800 0355842 or email us at info@anglersfirstinsurance.co.uk. We are a family owned insurance broking business and we are authorised and regulated by the FCA.
In reply to Post #11
what's stopping people keeping in van and if get stolen from van they just say they have been fishing day before ??
what's stopping people keeping in van and if get stolen from van they just say they have been fishing day before ??
In reply to Post #12
We do rely on honesty from the people who take out policies with us and luckily most people are honest. Of course some people may make claims that aren't valid. All thefts have to be reported to the police before they can be subject to a valid claim. If we had strong doubts regarding a claim we may recommend loss adjusters be appointed to investigate the claim a bit further and for example visit the person and ask where the equipment is usually kept. But we always hope that is quite rare.
We do rely on honesty from the people who take out policies with us and luckily most people are honest. Of course some people may make claims that aren't valid. All thefts have to be reported to the police before they can be subject to a valid claim. If we had strong doubts regarding a claim we may recommend loss adjusters be appointed to investigate the claim a bit further and for example visit the person and ask where the equipment is usually kept. But we always hope that is quite rare.
In reply to Post #11
Would photo's of the kit suffice?
Would photo's of the kit suffice?
In reply to Post #14
We are likely to be able to accept dated photos for items if they are just a bit over £300. But for really expensive poles, baitboats etc we would need some form of proof of ownership. The maximum we insure any item for is up to £3,000 and for items like that we would really need some form of proof. We are always happy to talk it through on the telephone and see if we can assist.
We are likely to be able to accept dated photos for items if they are just a bit over £300. But for really expensive poles, baitboats etc we would need some form of proof of ownership. The maximum we insure any item for is up to £3,000 and for items like that we would really need some form of proof. We are always happy to talk it through on the telephone and see if we can assist.