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  • FIRST POST
    • denz1968
    • By denz1968 13th Jul 17, 1:11 PM
    • 31Posts
    • 3Thanks
    denz1968
    Insurance for garden contents
    • #1
    • 13th Jul 17, 1:11 PM
    Insurance for garden contents 13th Jul 17 at 1:11 PM
    Having just bought some higher value furniture and grill for my garden I have found that my household insurance only covers up to £1000

    Can anyone recommend a policy that is specific for garden items only so not linked to the house policy.

    Thanks
Page 1
    • mattk_180
    • By mattk_180 13th Jul 17, 1:35 PM
    • 344 Posts
    • 260 Thanks
    mattk_180
    • #2
    • 13th Jul 17, 1:35 PM
    • #2
    • 13th Jul 17, 1:35 PM
    Have you actually spoken to your insurer or just read the policy?


    Is it £1,000 per item? I assume it is. Even if you need more cover than that I imagine you can specify which items go over the £1,000 and have them specifically covered on the existing policy (albeit for more premium).


    Can't say I've ever heard of insurance just for garden contents.
    • denz1968
    • By denz1968 13th Jul 17, 1:44 PM
    • 31 Posts
    • 3 Thanks
    denz1968
    • #3
    • 13th Jul 17, 1:44 PM
    • #3
    • 13th Jul 17, 1:44 PM
    No it is £1000 total. Yes spoke to them and cannot add specific items.

    I just thought there may be a policy that does just garden contents.
    • paddyandstumpy
    • By paddyandstumpy 13th Jul 17, 2:39 PM
    • 898 Posts
    • 397 Thanks
    paddyandstumpy
    • #4
    • 13th Jul 17, 2:39 PM
    • #4
    • 13th Jul 17, 2:39 PM
    What you need is an Household policy with more generous limits for contents in the garden/open.

    A midnet worth policy like Hiscox or Chubb will most likely have higher limits, but you'll pay for that cover.

    Alternatively, look on the defaqto website for the cover comparison tool, and look for contents in the garden. I'm not 100% it's an option but would assume it is, it's quite an exhaustive comparison.
    • societys child
    • By societys child 13th Jul 17, 8:20 PM
    • 4,821 Posts
    • 5,253 Thanks
    societys child
    • #5
    • 13th Jul 17, 8:20 PM
    • #5
    • 13th Jul 17, 8:20 PM
    Surely leaving high value items out in the garden is asking for trouble?
    I lock expensive items away when not in use.

    • forgotmyname
    • By forgotmyname 13th Jul 17, 10:29 PM
    • 26,047 Posts
    • 10,383 Thanks
    forgotmyname
    • #6
    • 13th Jul 17, 10:29 PM
    • #6
    • 13th Jul 17, 10:29 PM
    My policy has a £1000 limit for the garden. I was looking to turn a shed into a workshop but they wanted me to block out the windows and fit a lock designed for the house.

    Way too much effort. And block out the windows?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
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