Kit Insurance

[Danny_Y]

So far all my kit has been insured under a House Hold insurance policy. This has been fine and dandy until my paddle (a named item valued at £290) broke on a river. I was expecting to be able to claim as it was covered by all risks, but The NFU (name and shame) are refusing to payout as it was a done whilst doing what it was designed to do(!). Interestingly though, I tore the latex seal out of my dry trousers the very same day and they are prepared to cough up for that. Hardly worth loosing my no claims discount for £100 trousers, or is this a sinister tactical decision on their behalf?

How does everyone else insure their kit, any success stories or other mantraps like NFU?
What sort of quotes are people getting for their kit insurance?

Cheers,

Danny

[meatballs]

SI tore the latex seal out of my dry trousers the very same day and they are prepared to cough up for that. Hardly worth loosing my no claims discount for £100 trousers

No idea about the insurance but you should be able to get new latex seal for about £15-20 or so. Talk to your local shop.

[naefearjustbeer]

I double checked my insurance about a £500 fishing rod that I have and they said the same sort of thing(touch wood nothing ever happens to it as I would cry). If it breaks or gets lost whilst I am actually fishing with it then it is NOT covered. However if I reversed my car over it. It fell out of my ruck sack whilst hiking up to a hill loch, fell over the side of a boat whilst motoring to a fishing spot etc etc then it would be covered. These were all suggestions that the insurance advisor gave me if I ever had to put a claim in!!!!
I had lost a GPS whilst walking and they were trying to decide if it was classed as electronic goods and was covered or if it was sports equipment for walking and not covered because I was walking with it at the time!! After a big battle with them thay finally agreed to pay out and this is when I asked about my fishing rod scenario. It pays to read the small print of the policy and ask What if? questions about things before you take a policy out. I havent asked specifically about my kayaks and kit but this is something I should get round too. I know my outboard motor is not coverd as it is classed as marine equipment and would need its own policy.

[Phil.Dunn]

Found out that my household insurance paid out for a stolen kayak once, needless to say they tried to refuse the claim, but the policy excluded boats, not kayaks. Also I phoned their sales dept and obtained another quote under the guise of a new customer and specifically asked about sports equipment and was told that 'any' of it was covered, mentioned canoe and kayak, was told yeah its covered. Letter to insurers mentioning this fact and the magic words 'Trading standards' resulted in a nice shiny new boat.
Moral? always read the small print.