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  • FIRST POST
    • lsf22
    • By lsf22 12th Sep 17, 5:07 PM
    • 1Posts
    • 0Thanks
    lsf22
    Outbuildings Insurance
    • #1
    • 12th Sep 17, 5:07 PM
    Outbuildings Insurance 12th Sep 17 at 5:07 PM
    Can anyone advise on a suitable insurance company that has a higher than normal outbuildings limit. West London Suburbs


    The one time in my life I made a claim (6 years ago) was returning after a weekend away someone had broken into my large detatched garage and emptied it completely of years of collecting, tools, fishing and camping gear, the total loss was around £13k, the payout I received was maxed at the limit of £2,5k. I had photos and receipts for nearly everything !


    Best I found is £5k limit, having just about replaced everything I now have a tally of around £15k stored in a purpose built wooden cabin (no windows, 3 locks on the door, alarmed etc). Power tools, hand tools, fishing equipment, tents, camping equipment nothing individually worth more than £800, a few around £400-£500 a piece most of it £50-£100 per piece but lots of it - no room indoors now in a smaller property.


    Any ideas - apart from de-clutter !
Page 1
    • hugoshavez
    • By hugoshavez 12th Sep 17, 6:27 PM
    • 573 Posts
    • 464 Thanks
    hugoshavez
    • #2
    • 12th Sep 17, 6:27 PM
    • #2
    • 12th Sep 17, 6:27 PM
    LV= and M&S will both cover contents in outbuildings up to the full amount of the contents sum insured. NFU will probably give what you need on request.
    • Blibble
    • By Blibble 12th Sep 17, 8:25 PM
    • 185 Posts
    • 82 Thanks
    Blibble
    • #3
    • 12th Sep 17, 8:25 PM
    • #3
    • 12th Sep 17, 8:25 PM
    As above, M&S premier seems suitable -
    https://bank.marksandspencer.com/pdf/HIPremierPolicySummary.pdf - under page 2, unlimited cover heading.

    For a (potentially) lesser premium, are you not able to specify the necessary equipment with your present insurer?
    • paddyandstumpy
    • By paddyandstumpy 12th Sep 17, 9:08 PM
    • 784 Posts
    • 323 Thanks
    paddyandstumpy
    • #4
    • 12th Sep 17, 9:08 PM
    • #4
    • 12th Sep 17, 9:08 PM
    LV= and M&S will both cover contents in outbuildings up to the full amount of the contents sum insured. NFU will probably give what you need on request.
    Originally posted by hugoshavez
    Are you sure LV doesn't have an inner limit for theft from outbuildings?
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