Nigel G
Well-known member
Back in mid-Dec I asked for recommendations for insurance companies and out of 300+ views I only got one response. I assume therefore that you're not that impressed with the people you use and so I opted to do my own reaseach both on the net, in the High St and through a broker.
My conclussion was that the High St is relatively expensive but both the broker and the Net came up with the same name - Hiscox. I'll state clearly now that I have absolutely no connection with this firm.
There are 2 policies that I would recommend you look at. The 505 - which can be arranged on line in a matter of minutes and the 506 - which is essentially the same baseline but can be tailored for specific requirements and must be negotiated through a broker.
These are both home and contents (or contents only) policies and some of the significant adavatages for your birding gear/cameras are as follows.
1. Worldwide cover as standard.
2. Accidental loss or damage as standard.
3. No requirement to list individual items over £1500.
4. Theft from an unattended motor vehicle up to £2500. This is £1500 higher than any other standard quote I could find and the conditions only state it must be locked out of sight. On a 506 policy via a broker they were prepared to cover £6.5K in these circumstances albeit with a £500 excess and a higher premium.
5. Choice of excess at £100, £250, £500.
6. Monthly payments at no extra cost.
If you're interested in doing a quick comparison with your current policy click here.
And just to cap it all not only is my cover now better than it was with the High St but I'm also saving over £200 a year.
My conclussion was that the High St is relatively expensive but both the broker and the Net came up with the same name - Hiscox. I'll state clearly now that I have absolutely no connection with this firm.
There are 2 policies that I would recommend you look at. The 505 - which can be arranged on line in a matter of minutes and the 506 - which is essentially the same baseline but can be tailored for specific requirements and must be negotiated through a broker.
These are both home and contents (or contents only) policies and some of the significant adavatages for your birding gear/cameras are as follows.
1. Worldwide cover as standard.
2. Accidental loss or damage as standard.
3. No requirement to list individual items over £1500.
4. Theft from an unattended motor vehicle up to £2500. This is £1500 higher than any other standard quote I could find and the conditions only state it must be locked out of sight. On a 506 policy via a broker they were prepared to cover £6.5K in these circumstances albeit with a £500 excess and a higher premium.
5. Choice of excess at £100, £250, £500.
6. Monthly payments at no extra cost.
If you're interested in doing a quick comparison with your current policy click here.
And just to cap it all not only is my cover now better than it was with the High St but I'm also saving over £200 a year.
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