landroversforever Posted September 24, 2013 Share Posted September 24, 2013 I'm off to look at a potential workshop on a farm in the next village on thursday. If anything comes of it I would be looking to move the 90 over there to work on it along with all my tools. Now with it being away from home, I don't think my parents contents insurance would cover it (as it does now at home). I have about £2500 worth of tools and equipment which I obviously want covered. What have people got insurance-wise for their workshops which aren't at 'home'? (Unless you have a separate policy to your house). What do they cover? Does it require an inventory? Any stipulations on particular locks/security? Who are you with and would you recommend them? I've read in a couple of places that some places won't insure workshops with a log burner? The other question is regarding the paperwork of renting somewhere. What have people got in the way of contracts/agreements? Anything I should know? Anything you'd recommend here? As a small footnote, What have people got size/facilities-wise and how much do you pay? I know I've asked previously, but up-to-date info would be good. Thanks all. Quote Link to comment Share on other sites More sharing options...
dirtydiesel Posted September 24, 2013 Share Posted September 24, 2013 We're with NIG, We have to do a photographic inventory every year on renewal. Quote Link to comment Share on other sites More sharing options...
Nigelw Posted September 24, 2013 Share Posted September 24, 2013 Not much help to you in the UK but I know of local units with pits and one with a 4 post lift and around 200 m2 are going for €500-700pcm +utilities Not exactly pocket money and aimed more at a one man band mechanic I think. A local logging contractor wanted €300/month all in for around 50m2 when I was looking to take my Discovery off the farm to work on when we got busy but decided not to do that as would end up being too busy to work on it anyway so glad I didn't. On the subject of insurance I have a policy for each electrical appliance and a 4" grinder costs me €10/yr my MIG costs €35 and all my hand tools are bundle covered at €55, this is for damage to electricals and theft of any and all, think pay out is priced to replacement costs of tools and appliances. Not sure if that helps to give you an idea? Quote Link to comment Share on other sites More sharing options...
pat_pending Posted September 24, 2013 Share Posted September 24, 2013 Try NFU, better if you already have other insurance with them. Quote Link to comment Share on other sites More sharing options...
landroversforever Posted October 10, 2013 Author Share Posted October 10, 2013 NFU could only do it as an addition to a house and contents policy. Direct line who the parents have their house and contents cover with can't do it that far away. A Plan no good either. NIG left to try tomorrow after work. Anyone got cover for tools away from home? Quote Link to comment Share on other sites More sharing options...
nickwilliams Posted October 10, 2013 Share Posted October 10, 2013 You are going to have to get a commercial premises insurance for this, I think, but these are rarely sold direct IME. You need to speak to a broker: these guys are good in my experience, but £2500 is small change in commercial terms and you may struggle to get a premium cost you think is affordable. I've just insured about £15k's worth of tools plus a box trailer and a lump of specialist equipment worth a total of about £30k for about £450 per annum. Quote Link to comment Share on other sites More sharing options...
Daan Posted October 11, 2013 Share Posted October 11, 2013 I build my landy in a barn from a farmer which was shared with Safety devices; I paid him £50 cash in hand a month. I never insured anything of it, just had a lockable steel box which was out of site and fixed to a pole. in hindsight, it probably was a bit unprepared, but everyone could walk in and out. The only thing that went missing was a jack. Never found out were it went but I have a suspicion who it was. These days, I would worry more about the car going missing. Daan Quote Link to comment Share on other sites More sharing options...
landroversforever Posted October 14, 2013 Author Share Posted October 14, 2013 We're with NIG, We have to do a photographic inventory every year on renewal. Do you mind saying which broker you use Dan? I've tried them and they said to go through a broker. Not having any luck!! Quote Link to comment Share on other sites More sharing options...
Simon_CSK Posted October 14, 2013 Share Posted October 14, 2013 Can you not transport the tools when you need them rather than keeping them there? The Landy will be covered under your car insurance so you will not need additional cover. Quote Link to comment Share on other sites More sharing options...
landroversforever Posted October 14, 2013 Author Share Posted October 14, 2013 Yeah the truck is covered under its own policy. Transporting the tools all the time just removes the main reasons for having the workshop... keeping everything together and easily accessible. Not having to pack everything away after each use. Quote Link to comment Share on other sites More sharing options...
elbekko Posted October 14, 2013 Share Posted October 14, 2013 Keep the tools in the truck, insured as cargo then? Quote Link to comment Share on other sites More sharing options...
landroversforever Posted October 14, 2013 Author Share Posted October 14, 2013 I like your thinking Ben... but might be a bit difficult when its in a pile of parts... Quote Link to comment Share on other sites More sharing options...
elbekko Posted October 14, 2013 Share Posted October 14, 2013 That's indeed more difficult. But that raises the question: what part of that pile of parts is actually insured? The part with the VIN stamped on it? Quote Link to comment Share on other sites More sharing options...
landroversforever Posted October 14, 2013 Author Share Posted October 14, 2013 There is that, not even thought of that.... Quote Link to comment Share on other sites More sharing options...
Simon_CSK Posted October 14, 2013 Share Posted October 14, 2013 Your parents policy should have an allowance for taking stuff away from the home. If so increase that to cover your tools, listed specifically, then leave them in your truck. If anything happens they were stolen/lost from your vehicle. Quote Link to comment Share on other sites More sharing options...
Bowie69 Posted October 14, 2013 Share Posted October 14, 2013 Time to get a wiggle on then! Quote Link to comment Share on other sites More sharing options...
FridgeFreezer Posted October 14, 2013 Share Posted October 14, 2013 Insure it properly, don't fiddle it or try to play games with unrelated insurance policies - especially as you've now posted on the internet asking the question and had the options explained to you, the internet doesn't forget! If you can afford to lose the tools that's fine, but bear in mind the truck / parts etc. plus damage done breaking & entering... Quote Link to comment Share on other sites More sharing options...
CwazyWabbit Posted October 14, 2013 Share Posted October 14, 2013 BTW, I doubt you 90 is insured Ross..... Once it's in pieces if it were to get stolen you would have a fight on your hands with the insurance company. Lets face it if it has no doors on then you have left it unlocked, and 101 other excuses. There was a theft reported on here a while back where a guy had the floors removed from his 110 while working on it and it got stolen and the insurance company were bitching. Ring up your car insurers and check where you stand with insurance during a rebuild. Quote Link to comment Share on other sites More sharing options...
landroversforever Posted October 14, 2013 Author Share Posted October 14, 2013 Insure it properly, don't fiddle it or try to play games with unrelated insurance policies - especially as you've now posted on the internet asking the question and had the options explained to you, the internet doesn't forget! If you can afford to lose the tools that's fine, but bear in mind the truck / parts etc. plus damage done breaking & entering... Precisely. I'm insuring it properly or finding some work around if that means bringing tools home. I'm not going to be 'oh yes I bring the tools home every 60days (one of the options specified that)' etc. Do it properly or not at all. The last thing you want is to be refused insurance or any kind of fraud ruling. BTW, I doubt you 90 is insured Ross..... Once it's in pieces if it were to get stolen you would have a fight on your hands with the insurance company. Lets face it if it has no doors on then you have left it unlocked, and 101 other excuses. There was a theft reported on here a while back where a guy had the floors removed from his 110 while working on it and it got stolen and the insurance company were bitching. Ring up your car insurers and check where you stand with insurance during a rebuild. That's something I will be checking Barry. It becomes a bit of a grey area once the truck is in pieces I guess! Quote Link to comment Share on other sites More sharing options...
FridgeFreezer Posted October 15, 2013 Share Posted October 15, 2013 That's something I will be checking Barry. It becomes a bit of a grey area once the truck is in pieces I guess! Some of the classic car / kit car lot do insurance for when stuff is off the road in bits. Quote Link to comment Share on other sites More sharing options...
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