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chopcat

Member Since: 11 Sep 2012
Location: Pembrokeshire
Posts: 409

Insuring stuff in "outbuildings"

Having moved to a farm with a few big outbuildings I have set one up as my workshop and one a a home brewery and one as an electronics room. So need to get them properly insured as far as the contents go.

It seems that all proposals I am getting have difficulty in covering anything over £5k in "outbuildings"

I also question what is an out building. Ours are as big as a house and have the same security and a bed for the times I am banished!

Does anyone have any suggestions as to how I might proceed.

Trevor

20th Jul 2023 9:06pm

NickMc

Member Since: 01 Oct 2014
Location: Norn Iron
Posts: 1572

Go to your local NFU mutual would be my advise. I guess it might fall under farm diversification.

20th Jul 2023 9:08pm

chopcat

Member Since: 11 Sep 2012
Location: Pembrokeshire
Posts: 409

Funny that . we are with NFU. I explained it all to them last year only to review the policy at renewal (finding it has gone up £400) to see the £5k limit still there in the small print.

I am taking it up with them as we speak

T

20th Jul 2023 9:10pm

NickMc

Member Since: 01 Oct 2014
Location: Norn Iron
Posts: 1572

My advice would be stick with them, sometimes they are dearer, but you get what you pay for and deal with someone local. Anyone I know that has problems, accidents or needs a pay out, they tend to just pay it out quickly, the cheaper ones will nickel and dime you and try and wriggle out. Your premium drops each year and all insurance has risen.

I guess you’re in a odd situation as it’s a farm and you don’t farm?

20th Jul 2023 9:12pm

chopcat

Member Since: 11 Sep 2012
Location: Pembrokeshire
Posts: 409

We’ve got some bees if that counts !

T

20th Jul 2023 10:25pm

Moo

Member Since: 01 Oct 2021
Location: Bath
Posts: 1053

I had a similar issue and went with Frontier. Lots of photos and serial numbers required but its an easy process. Unfortunately my wife discovered how much my road and grave bikes were worth..

The key is to never be under insured. I have an old colleague that got caught out by this. You'd be surprised how quickly things add up!

Eiger Grey MY23 D250 SE with bits. Known as Noddy.

20th Jul 2023 11:15pm

AMBxx

Member Since: 24 Jul 2016
Location: York
Posts: 992

2015 Defender 110 Puma 2.2 XS CSW Orkney Grey

Maybe it comes down to your local NFU office. I have up to £10k of wine covered in a storage room attached to our garage. It is locked with a secure door though.

21st Jul 2023 6:38am

chopcat

Member Since: 11 Sep 2012
Location: Pembrokeshire
Posts: 409

I am going through it with the NFU office shortly.

AMB is your wine listed on your schedule ? I would expect any variation from the standard policy conditions to be written down somewhere.

I expect that I am covered at the moment but there is no note on the policy to say so. I would jolly well hope so for just south of £2k !

21st Jul 2023 8:10am

AMBxx

Member Since: 24 Jul 2016
Location: York
Posts: 992

Yes, it's down as 'wine collection'. There's a limit per bottle and no accidental damage cover.

21st Jul 2023 9:57am

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