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  1. #1

    Home insurance and guns

    Hi all,
    Do I need to inform my home insurance company that I have a gun cabinet and ammunition stored at my home address?
    Or would it just come under personal items?

  2. #2
    Veteran neutron619's Avatar
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    Oct 2010
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    Cambridgeshire
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    1,992
    Unless the value of replacing the gun would be more than the individual item limit then no, don't inform them. On the other hand, if you're worried they might get nicked and you'll lose a 100,000 Purdey in the process, then insure them as individual items.
    .
    (Cheap shotguns are the way forward! )
    Freedom is having the right to offend and be offended; politeness is temporarily eschewing that right in respect of others; maturity is understanding the compromise and applying it.

  3. #3
    Thanks neutron
    Thought as much but just thought I'd check.
    Regarding cheap shot guns a mate of mine is selling his Miguel and Alba (think that's the names?) 150 for the two.
    One is side by side the other over and under, have you any views on these?
    Last edited by Longshanx; 21-Sep-2017 at 12:24 PM.

  4. #4
    Young Shot eblok's Avatar
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    May 2014
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    N.Somerset
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    189
    I only contacted my insurance to check if firearms/shotguns are included in the contents insurance when away from the house. For me, assuming they are stored, owned and used in accordance with the law then my insurance covers them the same as any other belonging.

    I don't believe this is the case for all insurance companies. Some will insure them when in the safe, but once out on a shoot or during transport any accidental damage, loss or theft would have to be covered with specialist gun insurance.

  5. #5
    Thanks eblok, might just check, my insurance covers valuables if lost or damaged outside the home so this might cover my guns also

  6. #6
    Young Shot
    Join Date
    Jan 2015
    Location
    The state of confusion, also known as Oklahoma, USA
    Posts
    261
    Quote Originally Posted by eblok View Post
    I only contacted my insurance to check if firearms/shotguns are included in the contents insurance when away from the house. For me, assuming they are stored, owned and used in accordance with the law then my insurance covers them the same as any other belonging.

    I don't believe this is the case for all insurance companies. Some will insure them when in the safe, but once out on a shoot or during transport any accidental damage, loss or theft would have to be covered with specialist gun insurance.
    .
    Here in the States you can get additional firearms insurance through the NRA and it is much less expensive that any of the "normal" insurance carriers. With it you choose the amount of coverage you wish and do not have to declare individual guns, unless their cost exceeds a certain amount. Do none of the gun organizations in the UK offer such a deal?

  7. #7
    Veteran coalman's Avatar
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    Nov 2009
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    aycliffe Co.Durham
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    1,444
    Last time I asked (still with same company so I assume it's the same)
    If the value of each gun is under 5000 you don't need to list them.
    Over 5000 then it's another case.(itemised and higher premiun)

    Think BASC offered a gun insurance package (haven't been with them for years though)

  8. #8
    Beginner
    Join Date
    Feb 2017
    Location
    Hampshire, Portsmouth
    Posts
    42
    I've just renewed my home insurance contents and buildings, I asked the question re shotguns, was told by John Lewis insurance it wasn't necessary if the value was under 5000, however they suggested I gave them the serial number of the shotgun just incase which I did, the premium was the same so no increase.
    Interestingly i have 3x 5 inch live steam locos these are itemised, because they are over 5000 but again nothing added to the premium.

    The insurance is only for theft or damage ie fire etc from the home not covered while out of the house.
    Last edited by Chris-m; 25-Sep-2017 at 09:49 AM. Reason: Spelling

  9. #9
    Thanks Coleman

  10. #10
    Quote Originally Posted by Chris-m View Post
    I've just renewed my home insurance contents and buildings, I asked the question re shotguns, was told by John Lewis insurance it wasn't necessary if the value was under 5000, however they suggested I gave them the serial number of the shotgun just incase which I did, the premium was the same so no increase.
    Interestingly i have 3x 5 inch live steam locos these are itemised, because they are over 5000 but again nothing added to the premium.

    The insurance is only for theft or damage ie fire etc from the home not covered while out of the house.
    Thanks Chris

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