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  1. #1
    Join Date
    Jan 2006
    Location
    Chadderton, Nr. Manchester
    Posts
    1,902

    Beware your house insurance

    I suspect a lot of us have car 'stuff' in our garage.

    The year I figured I would check the small print on my house policy

    Apparently contents of £50k is limited to just the 'house'

    Even though my garage is connected to the house, it is classed as an outbuilding, so has only £1.5k cover

    Swinton referred me through their specialist division, who have no admitted defeat and offered me a refund.

    So if the likes of Swinton can't insure my car parts, who the hell can?!

    Anyone found a decent house insurance policy to cover garages???

    Jon
    Oh crap...the wife has realised there is no such thing as a 5 minute job !

  2. #2
    Join Date
    May 2008
    Location
    Cambridge
    Posts
    122
    I've come across this small print before. Currently using M&S house insurance. No mention of this in the small print. It is pricy though. Also natwest home insurance seemed similar.
    Another option I didn't explore was NFU insurance. Meant to be ok for this sort of thing.

  3. #3
    Join Date
    Jan 2012
    Location
    Perth
    Age
    53
    Posts
    1,676
    Can't you treat it as a SORNed car?

    Just askin' as well as our collection of bits are beginning to amass as well

    cheers
    Kiel and Duncan (dad and the lad errr young man now)

    AHP Crendon Chassis No 1
    Ford FE 434, dual quad, Toploader total old school all the way
    https://www.crendonreplicas.com/
    http://www.absolutehorsepower.co.uk/

  4. #4
    Join Date
    Jun 2003
    Location
    Bucks, UK.
    Posts
    99
    Keep all the spares in the house
    MkIII Sumo - RV8

  5. #5
    Join Date
    Dec 2013
    Location
    Newark, Notts
    Age
    69
    Posts
    1,504
    Get the kit insured. As my kit has all the major bits there's a lot of money tied up!! Backford Bloor - £278/year for build only, upto £30k

  6. #6
    Join Date
    Jan 2006
    Location
    Chadderton, Nr. Manchester
    Posts
    1,902
    The Cobra is insured fine, it's the spare engine and gearbox, and loads of spare parts that I want cover for.

    Going to try the NFU
    Oh crap...the wife has realised there is no such thing as a 5 minute job !

  7. #7
    Join Date
    Feb 2003
    Location
    Devon
    Age
    53
    Posts
    7,767
    I'm with NFU and have been for quite a few years.
    Just tell them want you want to insure and they will give you a price.
    Outbuilding contents insurance isn't the cheapest though.
    2003 Dave Brookes Dax 350ci Chevy SB.
    2008 Crendon 462ci Ford Sideoiler No.43
    2012 Crendon 351ci Ford Cleveland No.24
    2019 Crendon 445ci Ford FE No.66

  8. #8
    Join Date
    Sep 2008
    Location
    East Sussex
    Posts
    342
    Quote Originally Posted by AKCharlie View Post
    Get the kit insured. As my kit has all the major bits there's a lot of money tied up!! Backford Bloor - £278/year for build only, upto £30k
    kin ell, I don't think I pay that to insure the car !
    Now Cobraless

  9. #9
    Join Date
    Jan 2006
    Location
    Chadderton, Nr. Manchester
    Posts
    1,902
    Tried; NFU checked with the underwriter while I waited, and they said a firm NO

    Aside from trivial bits and bobs, all I've got is spare RV8, gearbox, and compressor (I didn't mention the welder)

    Quite stumped now
    Oh crap...the wife has realised there is no such thing as a 5 minute job !

  10. #10
    Join Date
    Jul 2004
    Location
    UK
    Posts
    8,103
    Don't bother, just make it hard to nick, thieves wont nick 'an old engine' but they will take your tools, motorcycles, bicycles, meat out the deep freeze etc.
    Regards Steve

    Crendon #22

    452cu FE with top loader

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