Does anybody have any advice on specialist tackle insurers? I recently checked with my house insures and they told me that my gear is not covered when I am actually fishing with it! Apparently this is based on it being 'sporting equipment' and for example they would not cover a tennis racket broken whilst playing with it but would cough up if the same racket was broken by being shut in a car door!

Andy

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GAIC Single Handed Casting Instructor

http://www.andygreyfishing.com/

hi there
just type in tackle wise fishing insurance and it will take you to sterling ins. and they do all types of sports equipment.
i to found to my cost that you ain`t insured whilst using your fishing tackle.

Andy, change your insurance company. TC

Although it is already covered under my household policy, I nominate my fishing tackle as a specific to be insured away from the home. Doesn't cost that much extra. As an aside, I also have it all photographed.

Pal of mine with Zurich had that "broken in use" problem so I checked with my insurance company who were amazed. As the chap said "that's like refusing to pay for damage if you crash your car while driving it".

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Roy

We have our household policy with Prudential & they offer a "Sporting Insurance" for a wee bit extra. If I remember right about £9 per annum. Covers all my fishing tackle inc new for old.
Tight Lines

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"The Future's Bright The Future's Wet Fly"

http://www.fishinginsurancecover.co.uk/
found this place but looks expensive!!!

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fishing in scottish waters

beat me to it terry ..

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I think this is good advice and probably the most cost effective solution for sporting gear. It's important to know what's covered and what's not under a given policy, for example I think many assume that their auto insurance will cover them if gear is stolen from their car, but this may or may not be the case, it all depends on what the policy says. A lot of people find that out the hard way.

I have my fishing gear and guns insured on what (over here) is called "special form coverage".

This does two things that I think are worth noting:

1. Make sure you know your deductible. Over here in the US, under the special form coverage I arranged there is no $500 deductible for my sporting items if they are damaged, lost, or stolen. With normal homeowners insurance, these items would be covered, but I'd have to pay the $500 deductible if I didn't have them listed in a special form policy.

2. Make sure you know if there are value limits in place. In many cases, the normal homeowners insurance policy caps the payout amount for some single items. For example, in my normal policy, I found that firearms are capped at $1000 each. Well that's not going to buy me a replacement for many of my guns, a scoped rifle for example will easily surpass this figure, so the only way to get full replacement cost is to have special coverage.

Just a couple of thoughts to make sure you know what you're getting as far as coverage. I have two relatives that found out the hard way after the back door of the "gun bus" was partially unlatched and came open and their (unloaded and cased, obviously) guns fell out and were run over by a following vehicle. Unfortunately, without special coverage, they were left paying the deductible on their homeowners insurance, so $500 out of pocket for each of them for that accident.

Grouse

Andy

Dont know how much stuff you have overall but if it is a tidy sum speak to Hiscox.

Regards

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[COLOR="Blue"]"A fish seen is a fish nearly caught"[/COLOR]