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Subject Topic: Tent insurance Post Reply Post New Topic
Message posted by star1234 on 22/4/2010 at 1:17pm
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Hiya does anyone have their tent insured and if they do what does it cover?  I got a new tent and it mentions that you should have your tent insured against accidental damage.  Just wondering if anyone has this and who from?

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Message posted by pally on 22/4/2010 at 1:40pm
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Would it come under house insurance like bikes sometimes do? Really not sure.

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Message posted by ybyatt on 22/4/2010 at 5:06pm
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i think the camping and caravan do one from 48 ish pounds?

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Message posted by Francais on 22/4/2010 at 6:17pm
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Hi Elaine.

              We got our Tent insurance through the C&CC, also got the Trailer insured with them, fact is they only replace at market value but it does cover other kit not just the tent, so once my kit is a little older I think I will drop the cover, nice to have though, and a little piece of mind for around 50 per year, my advice would be for anyone getting this kind of insurance is to take photos of all your kit, handy to have should the worst happen, a loss adjuster would value a camping chair at say 5, and not the 150 you paid for your Lafuma RSX chair etc, unless you tell them and can proove it.

Andy.


Message posted by Dedley on 22/4/2010 at 6:18pm
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Contact your house insurance Co. And ask to add the camping eguipment to it, doesn't cost too much.

............
Dedley

Message posted by tikka72 on 22/4/2010 at 7:16pm
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Quote: Originally posted by Francais on 22/4/2010

Hi Elaine.

              We got our Tent insurance through the C&CC, also got the Trailer insured with them, fact is they only replace at market value but it does cover other kit not just the tent, so once my kit is a little older I think I will drop the cover, nice to have though, and a little piece of mind for around 50 per year, my advice would be for anyone getting this kind of insurance is to take photos of all your kit, handy to have should the worst happen, a loss adjuster would value a camping chair at say 5, and not the 150 you paid for your Lafuma RSX chair etc, unless you tell them and can proove it.

Andy.


how much for a camping chair, why would you take chairs costing that much.

Message posted by mrmnmrsg on 22/4/2010 at 7:20pm
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We renewed our household insurance a few weks ago and when mentioned they said it was all covered on the insurance we were taking out, so maybe best checking on your household insurence first before you go splashing out on anything else

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Aug 2010
Eweleaze Farm, Weymouth


Message posted by Francais on 22/4/2010 at 9:55pm
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Hi mrmnmrsg.

                    Our household insurance will only cover camping kit, whilst on the premisis, otherwise they want extra money, and the detail they gave was very flaky, so need to review that, tikka72 having decent chairs is good, OK I would not spend 300 on a pair of Lafuma RSX's or whatever there called, but I did by a pair of Lafuma Chamonix Padded chairs, 30 each on clearance from Riversway, bargain when the current price is around 70 each!,  saying why would you take chairs costing that much, is like saying why would you take your Winnebago costing that much, your statement does not make sense to me. 


Message posted by 2gocampin on 22/4/2010 at 10:51pm
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Before you pay out for insurance check what it actually covers.

What you want is NEW FOR OLD cover as the more common insurance will pay out very little in the event of a claim.

Nationwide Building Society is the best FIXED level of cover that we found which covers all of our kit New for Old in the event of a claim.

You agree a value with them for all of your kit and that is what you insure so if in 6 months time your tent gets damaged, you get the price of a new tent not a percentage of its original value back.



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Message posted by scrumble on 22/4/2010 at 11:45pm
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I don't think the standalone insurance I looked at seemed value for money, esp as it wasn't new for old cover.

We too have Nationwide Contents Insurance, and as you say camping equipment is covered under the Personal Possessions extension to the policy (which we would have anyway), and is new for old cover. However it does seem to exclude damage caused by the weather.

But really, I don't worry about it that much, becuse of the excess we have on the policy, it's unlikly we would claim anyway for the loss of some of the kit. And really, the total loss/damage of your kit whilst on the site is really very unsual.

So really, we are self insuring for most eventualities.

Message posted by Siany on 23/4/2010 at 1:07pm
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I checked with our house contents insurers. All camping kit is covered at home, and is covered when pitched in a proper campsite. My mum had a friend who came back toa completely empty pitch one day!, which is why I checked. If you just pitch in a random field you wouldnot be covered.

Message posted by dcope on 23/4/2010 at 1:12pm
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Quote: Originally posted by Siany on 23/4/2010
I checked with our house contents insurers. All camping kit is covered at home, and is covered when pitched in a proper campsite. My mum had a friend who came back toa completely empty pitch one day!, which is why I checked. If you just pitch in a random field you wouldnot be covered.

Id like to think that was a rare occurrence, anyone else seen had it happen?



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