steventrain Posted November 3, 2012 Share Posted November 3, 2012 Model railway Insurance have changed the underwriters of our Model Railway policy during this year and our new underwriters Ansvar are able to offer cover for Northern Ireland. http://www.modelrailwayinsurance.co.uk/ Please note that not available to Rep of Ireland. Quote Link to comment Share on other sites More sharing options...
Tarabuses Posted November 3, 2012 Share Posted November 3, 2012 Aren't the individual items covered by home contents insurance? A model railway isn't one item but a sum of the parts. Quote Link to comment Share on other sites More sharing options...
David Posted November 3, 2012 Share Posted November 3, 2012 As far as I know you can cover a model railway on your contents cover but it would have to be specified on the the policy(you would have to tell the insurer about it and its value, it would not automatically be covered). Aren't the individual items covered by home contents insurance? A model railway isn't one item but a sum of the parts. Quote Link to comment Share on other sites More sharing options...
WRENNEIRE Posted November 3, 2012 Share Posted November 3, 2012 Had an insurance guy in the house one evening He explained that it would be something similar to "works of art2 insurance where the policy would be a percentage of the overall cost of the collection So somewhere between 10 - 12.5% Asked him to finish his coffee and naff off Quote Link to comment Share on other sites More sharing options...
Weshty Posted November 3, 2012 Share Posted November 3, 2012 Had an insurance guy in the house one eveningHe explained that it would be something similar to "works of art2 insurance where the policy would be a percentage of the overall cost of the collection So somewhere between 10 - 12.5% Asked him to finish his coffee and naff off At that quote I'm surprised you were so mannered in requesting his departure.... Quote Link to comment Share on other sites More sharing options...
Tarabuses Posted November 3, 2012 Share Posted November 3, 2012 To my mind contents are contents. What's the difference between me having (say) 6 TVs or 6 071s in the house? There is no comparison to a work of art (even though the model is) which increases in value and would be attractive to a thief. Quote Link to comment Share on other sites More sharing options...
WRENNEIRE Posted November 3, 2012 Share Posted November 3, 2012 To my mind contents are contents. What's the difference between me having (say) 6 TVs or 6 071s in the house? There is no comparison to a work of art (even though the model is) which increases in value and would be attractive to a thief. He was not comparing the models to a work of art, rather the way the insurance company would view insuring them A catalogued list of what was to be insured and a replacement value of each item. Not for me ! Quote Link to comment Share on other sites More sharing options...
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