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Conference terri::cars_uk

Title:	Cars in the UK
Notice:	Please read new conference charter 1.70
Moderator:	COMICS::SHELLEYELD

Created:	Sun Mar 06 1994
Last Modified:	Fri Jun 06 1997
Last Successful Update:	Fri Jun 06 1997
Number of topics:	2584
Total number of notes:	63384

1378.0. "Garage contents insurance cover" by VOGON::MITCHELLE (Beware of the green meanie) Tue Mar 05 1991 14:50

    
    We recently got our annual house contents insurance renual form, and I
    decided to check on the cover included for the contents of our garage.
    Not a lot - was the reply. So I asked about increasing the cover, and 
    the response was a quote for �125, with �500 excess, for cover for up 
    to �2500 worth of tools. (Including theft from the car at race meetings
    etc.) This sounds rather a lot! Does anyone else have any experience of
    trying to insure higher than average value for tools kept in the
    garage?
    
    Elaine

T.R	Title	User	Personal Name	Date	Lines
1378.1		CHEFS::CLEMENTSD	Public Sector and Telecomms	`Tue Mar 05 1991 14:56`	9
	Try getting a reduction in cover cost by fitting better than average security locks etc.... Sounds as though they are classifying the cover as "all risks" which means it's in the same class as the minks and Picassos. I'll exclude family jewels as Derek's probably insured already.....;-)
1378.2	Are car parts the same as tools?	SUBURB::REEVEJ		`Tue Mar 05 1991 17:26`	12
	Not quite the same thing, but when I was building the Caterham I asked how much motor insurance would be to insure the kit as it was being built and was quoted about �250. Someone suggested I should ask my household policy insurers, and after some scratching of heads and 'asking my colleague' they added �8000 worth of 'car parts' to my contents policy at the normal premium rate. The only question was whether the garage was attached to the house, and brick built, which it is. I recall the premium was about �25. My policy is the usual new for old type with the Commercial Union. I would have thought tools would fall into the same category! John.
1378.3		CHEFS::OSBORNEC		`Tue Mar 05 1991 19:40`	3

1378.4	How's about...	ESDV00::MUDAN	Man Made Soul...	`Wed Mar 06 1991 08:37`	14
	.-1, Elaine, You might be better off getting an insurance policy ( e.g. "Off the Road", or "Limited Mileage" ) which incorporates cover against theft or damage to "property" where you are keeping your Car. This includes tools upto #1000 pounds only. The policy I enquired about costs #5 per #1000 vehicle value. Don't know if this works out cheaper ? Cheers, Jagdeep.
1378.5	I'll try phoning the brokers	VOGON::MITCHELLE	Beware of the green meanie	`Wed Mar 06 1991 09:37`	6
	The car itself is already insured - on a limited milage policy, but as far as I'm aware, there is no cover included for where the car is kept. I'll phone up the car insurance brokers today, and see what they say. The garage isn't attatched to the house, but is very close.