Home Insurance contents question - Outbuilding defintion
Discussion
K87 said:
I wouldn't be surprised if you don't have another Loss Adjuster visit, you might want to put together a spreadsheet of what has been lost with a guess at the replacement cost, include everything. If you have any proof of purchase or even instruction manuals for big ticket items then this will help prove your loss.
He may do, but he’s not going to find very much, as all has been skipped of the items that were fire damaged, as originally instructed by the loss adjuster who came out and said don’t bother making a list as the maximum claim will be only £5000.nigelpugh7 said:
K87 said:
I wouldn't be surprised if you don't have another Loss Adjuster visit, you might want to put together a spreadsheet of what has been lost with a guess at the replacement cost, include everything. If you have any proof of purchase or even instruction manuals for big ticket items then this will help prove your loss.
He may do, but he’s not going to find very much, as all has been skipped of the items that were fire damaged, as originally instructed by the loss adjuster who came out and said don’t bother making a list as the maximum claim will be only £5000.What you were told by the LA was appropriate for a 5000 limit but not if you are going to be claiming for more.
I know it's a pain but LA2 will need to be able to say to his employers, set a reserve of £X which is made up of the following items: polish, paint, clothing, ladders, lawnmower and so on.
If you have binned everything and cannot provide a list from memory then LA2 has nothing to work with, they will need some idea of what was in there.
If you have no pics then just do a spreadsheet of what you can remember, I may be wrong but I would doubt that insurers will give you whatever you ask for without any pics, receipts or a list of items signed off by you even if LA1 told you to throw it away.
K87 said:
nigelpugh7 said:
K87 said:
I wouldn't be surprised if you don't have another Loss Adjuster visit, you might want to put together a spreadsheet of what has been lost with a guess at the replacement cost, include everything. If you have any proof of purchase or even instruction manuals for big ticket items then this will help prove your loss.
He may do, but he’s not going to find very much, as all has been skipped of the items that were fire damaged, as originally instructed by the loss adjuster who came out and said don’t bother making a list as the maximum claim will be only £5000.What you were told by the LA was appropriate for a 5000 limit but not if you are going to be claiming for more.
I know it's a pain but LA2 will need to be able to say to his employers, set a reserve of £X which is made up of the following items: polish, paint, clothing, ladders, lawnmower and so on.
If you have binned everything and cannot provide a list from memory then LA2 has nothing to work with, they will need some idea of what was in there.
If you have no pics then just do a spreadsheet of what you can remember, I may be wrong but I would doubt that insurers will give you whatever you ask for without any pics, receipts or a list of items signed off by you even if LA1 told you to throw it away.
Dog Star said:
...currently all my cordless Makita stuff (there’s a lot) and more expensive items are stacked in the dining room where they’re covered.
I've done this at my previous house where I had a detached garage.Esab inverter mig welder, and a small pile of power tools, all lived behind the large leather chair placed diagonally across the corner of the room!
Hi everyone, sorry for not updating this thread, been busy with work and other stuff.
We have had an interim payment made now by the insurance company, which will go some way to cover the costs incurred in getting the garage back to the usable workspace it was before the fire.
They are then reviewing the remainder of the claim, but have sent an email which quotes and highlights the fact that motor vehicle accessories are not covered.
I can only assume that this means that the list of about 10 items that were in the loft, that were items for my Caterham 620R, such as a carbon tonneau and full hood,,and the half hood and other accessories Caterham related are not covered.
That’s a shame as they are all expensive items in their own right, and probably add up to about £10’000 as a sub total section of the total claim.
We have had an interim payment made now by the insurance company, which will go some way to cover the costs incurred in getting the garage back to the usable workspace it was before the fire.
They are then reviewing the remainder of the claim, but have sent an email which quotes and highlights the fact that motor vehicle accessories are not covered.
I can only assume that this means that the list of about 10 items that were in the loft, that were items for my Caterham 620R, such as a carbon tonneau and full hood,,and the half hood and other accessories Caterham related are not covered.
That’s a shame as they are all expensive items in their own right, and probably add up to about £10’000 as a sub total section of the total claim.
nigelpugh7 said:
We have had an interim payment made now by the insurance company, which will go some way to cover the costs incurred in getting the garage back to the usable workspace it was before the fire.
They are then reviewing the remainder of the claim, but have sent an email which quotes and highlights the fact that motor vehicle accessories are not covered.
Glad to hear you have got some money moving.They are then reviewing the remainder of the claim, but have sent an email which quotes and highlights the fact that motor vehicle accessories are not covered.
Although its a bit galling to have a garage fire and discover car parts are not included!
dhutch said:
Glad to hear you have got some money moving.
Although its a bit galling to have a garage fire and discover car parts are not included!
That was the same feeling I had, as in reality the likelihood that the items you are almost certain to have in a Garage, that you know is there to store your car, is a very high chance it will,also contain car parts and accessories !Although its a bit galling to have a garage fire and discover car parts are not included!
We have had the second payment now confirmed, so we are pretty much done with the claim now.
As mentioned the one thing we found odd was that vehicle accessories were not covered as part of the home contents insurance.
As previously explained we submitted a very detailed spreadsheet with all the items damaged or destroyed by the fire listed as individual line items.
The insurance company went through the spreadsheet with a fine tooth comb, and excluded the items that were vehicle related.
So items like a pair of SU HIF 44 carburettors were not covered.
That’s fair we suppose, as they are a motor vehicle accessory.
But other items, like our Thule roof box, Thule Roof bars and the Thule 3 bike folding bike rack were also not covered, which we found odd, as the mountain bike we use with them was covered.
So the question remains, as most people will always have car related items in a garage, how do you actually get cover for them if they are not covered my a motor vehicle policy?
As mentioned the one thing we found odd was that vehicle accessories were not covered as part of the home contents insurance.
As previously explained we submitted a very detailed spreadsheet with all the items damaged or destroyed by the fire listed as individual line items.
The insurance company went through the spreadsheet with a fine tooth comb, and excluded the items that were vehicle related.
So items like a pair of SU HIF 44 carburettors were not covered.
That’s fair we suppose, as they are a motor vehicle accessory.
But other items, like our Thule roof box, Thule Roof bars and the Thule 3 bike folding bike rack were also not covered, which we found odd, as the mountain bike we use with them was covered.
So the question remains, as most people will always have car related items in a garage, how do you actually get cover for them if they are not covered my a motor vehicle policy?
nigelpugh7 said:
So the question remains, as most people will always have car related items in a garage, how do you actually get cover for them if they are not covered my a motor vehicle policy?
I have motor trade policy and it clearly states that accessories not fitted to a vehicle aren't covered. However, like you, I assumed as it's a content of my garage, it would be covered by my home policyI have no idea what others keep in their garage but mine is full of tools and car / motorcycle accessories
What's the point of offering garage cover if the things normally kept in the garage aren't covered ?
It's almost like it's a scam...
nigelpugh7 said:
We have had the second payment now confirmed, so we are pretty much done with the claim now.
As mentioned the one thing we found odd was that vehicle accessories were not covered as part of the home contents insurance.
As previously explained we submitted a very detailed spreadsheet with all the items damaged or destroyed by the fire listed as individual line items.
The insurance company went through the spreadsheet with a fine tooth comb, and excluded the items that were vehicle related.
So items like a pair of SU HIF 44 carburettors were not covered.
That’s fair we suppose, as they are a motor vehicle accessory.
But other items, like our Thule roof box, Thule Roof bars and the Thule 3 bike folding bike rack were also not covered, which we found odd, as the mountain bike we use with them was covered.
So the question remains, as most people will always have car related items in a garage, how do you actually get cover for them if they are not covered my a motor vehicle policy?
Here..............As mentioned the one thing we found odd was that vehicle accessories were not covered as part of the home contents insurance.
As previously explained we submitted a very detailed spreadsheet with all the items damaged or destroyed by the fire listed as individual line items.
The insurance company went through the spreadsheet with a fine tooth comb, and excluded the items that were vehicle related.
So items like a pair of SU HIF 44 carburettors were not covered.
That’s fair we suppose, as they are a motor vehicle accessory.
But other items, like our Thule roof box, Thule Roof bars and the Thule 3 bike folding bike rack were also not covered, which we found odd, as the mountain bike we use with them was covered.
So the question remains, as most people will always have car related items in a garage, how do you actually get cover for them if they are not covered my a motor vehicle policy?
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nigelpugh7 said:
We have had the second payment now confirmed, so we are pretty much done with the claim now.
As mentioned the one thing we found odd was that vehicle accessories were not covered as part of the home contents insurance.
As previously explained we submitted a very detailed spreadsheet with all the items damaged or destroyed by the fire listed as individual line items.
The insurance company went through the spreadsheet with a fine tooth comb, and excluded the items that were vehicle related.
So items like a pair of SU HIF 44 carburettors were not covered.
That’s fair we suppose, as they are a motor vehicle accessory.
Personally I'd count those as spares rather than accessories. As mentioned the one thing we found odd was that vehicle accessories were not covered as part of the home contents insurance.
As previously explained we submitted a very detailed spreadsheet with all the items damaged or destroyed by the fire listed as individual line items.
The insurance company went through the spreadsheet with a fine tooth comb, and excluded the items that were vehicle related.
So items like a pair of SU HIF 44 carburettors were not covered.
That’s fair we suppose, as they are a motor vehicle accessory.
nigelpugh7 said:
But other items, like our Thule roof box, Thule Roof bars and the Thule 3 bike folding bike rack were also not covered, which we found odd, as the mountain bike we use with them was covered.
So the question remains, as most people will always have car related items in a garage, how do you actually get cover for them if they are not covered my a motor vehicle policy?
It depends on the policy, I've seen some car policies that cover them but they tend to be more the specialist/classic policies where such a thing is more expected. So the question remains, as most people will always have car related items in a garage, how do you actually get cover for them if they are not covered my a motor vehicle policy?
I went with Lemonade (for contents) this year and specifically asked the question as I have roof bars, a top box and a spare set of winter wheels.
lemonade said:
We'll be happy to cover your car's accessories so long as they're not in use/fitted to the vehicle, and are stored away in a garage on your premises
I'm not 100% sure they'll cover the wheels as they may count them as *spares* mind but the top box etc should be fairly clear cut. nigelpugh7 said:
So the question remains, as most people will always have car related items in a garage, how do you actually get cover for them if they are not covered my a motor vehicle policy?
I put my garage contents into a storage container during our house refurb and the insurance for that (I bought my own cover) excluded car parts. The main thing I had was the summer wheels and tyre set off wife's Tiguan, as it was on Winter's at the time. At list price, probably £2K to replace.When I queried the insurer they said they'd cover them - they said "Tyres and wheels ( not business related - ie motor parts shop) are fine in isolation - we would only decline to cover the engine/engine parts, engine oil, flammable liquids, Fuel etc..."
Must say I hadn't given it any thought in our (attached
) garage. We're insured with LV= and I'd hope they'd be reasonable.KTMsm said:
I have motor trade policy and it clearly states that accessories not fitted to a vehicle aren't covered. However, like you, I assumed as it's a content of my garage, it would be covered by my home policy
I have no idea what others keep in their garage but mine is full of tools and car / motorcycle accessories
What's the point of offering garage cover if the things normally kept in the garage aren't covered ?
It's almost like it's a scam...
Yes that was the point I was trying to make.I have no idea what others keep in their garage but mine is full of tools and car / motorcycle accessories
What's the point of offering garage cover if the things normally kept in the garage aren't covered ?
It's almost like it's a scam...
Also I had other items like my Land Rover day tents that were also excluded from the claim as they had the Land Rover name as part of the description.
If I had been a bit more clever, I could have named them Kyham Day Tent, as that’s who they are made by, and they would not have been excluded.
The OEX 3 man tent I use on my adventure motorcycle was covered, as were the camping accessories, but I did not labels them as motorcycle accessories.
nigelpugh7 said:
If I had been a bit more clever, I could have named them Kyham Day Tent, as that’s who they are made by, and they would not have been excluded.
The OEX 3 man tent I use on my adventure motorcycle was covered, as were the camping accessories, but I did not labels them as motorcycle accessories.
I scrutinized my insurance policy wording before making a claim after I was burgledThe OEX 3 man tent I use on my adventure motorcycle was covered, as were the camping accessories, but I did not labels them as motorcycle accessories.
Although from what you've said it seems I've got £10k+ of uninsured accessories. I don't understand why they should be excluded and someone's stamp / dolls house collection is included
Fastdruid said:
Personally I'd count those as spares rather than accessories.
Yeah, I would say the carbs are spares. But the roof box is an accessory. Less sure where I would put performance parts, say if they are after market carbs.Mountain bikes are only covered on our policy if we name/list them.
dhutch said:
Yeah, I would say the carbs are spares. But the roof box is an accessory. Less sure where I would put performance parts, say if they are after market carbs.
Mountain bikes are only covered on our policy if we name/list them.
Yep same with my policy, they were only covered up to the £2K limit if not specifically named, with an exact amount.Mountain bikes are only covered on our policy if we name/list them.
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