UKC

Just wondering after another all my Kit stolen From car thread, and thinking that most people Probably buy Gear bit by bit Spreading the cost.

If all your Gear is Taken in one go, the actual cost of Replacing everything at once would be Prohibitive.

My car insurance covers items in car to However many Hundred, but Taking into Account the excess and Damage to your claims history and renewal Premium, it wouldnt be worth claiming.

Dont Know how that would work with home Contents insurance, or if you can get Specialist Climbing Gear insurance?

Anyone got any Recommendations, and any positive or negative insurance claims Experiences on climbing Kit?

In reply to Choss:

I have mine insured under the Home Contents personal possessions section. There is a clause though, which states the gear is not covered while in use, so if my tent is stolen while it is up on a campsite, it isn't covered.

I had a claim through Aviva a few years ago when climbing kit, clothes, sleeping bag etc were stolen from a locked car in the Czech Republic. They settled this in a very fair way. I was pleasantly surprised.

IPP

In reply to Choss:

There are a number of insurance companies which offer sports equipment insurance, just google it. You could also ask if your household insurance will include it under All Risks. However often you get better (although not necessarily cheaper)cover from a specialist insurer so look at the terms as well as the price

In reply to Choss: I've always made sure that I have £5,000 worth of climbing and mountaineering equipment explicitly listed in the 'All Risks' section of my home contents insurance. I also try to make sure I have a few photos showing all my kit laid out so that I've got evidence of actually owning kit to that value.

In reply to The Ex-Engineer:

do you think insurance companies would accept photos? i always thought they went by receipts and receipts alone. Not an expert by any means though! guess a photo is better than nothing but if say it's a photo with large amount of gear laid out, then how would you be able to say 'that blue sleeping bag in the picture cost £500' when it could look pretty similar to a cheapo one that looks similar in photos?

i have a box full of receipts, all the really old ones have either yellowed with age or for the laser printed ones have simply wiped clean with age. so maybe photos are the way to go!!!