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 Insuring Radio Gear

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43CT016
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Alan Pilot
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Alan Pilot
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Alan Pilot


Call Sign : 163-CT-220...MW7TTA
Posts : 2542
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QTH or Location : Anglesey North Wales
Equipment Used : Yaesu FT-991A,,Yaesu FTDX-10,,Icom ic-7300,,Anytone AT-D878UV PLUS",,LINCOLN II+.
Age : 15

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PostSubject: Insuring Radio Gear   radio - Insuring Radio Gear Icon_minitimeSun Jan 09, 2022 8:28 pm

Anybody insure there radio/radios.
If so what sort of cost is involved and who is the insurer.
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PostSubject: Re: Insuring Radio Gear   radio - Insuring Radio Gear Icon_minitimeSun Jan 09, 2022 11:49 pm

I'm sure my home insurance covers single items up to £2k, so I don't specifically list them, I just make sure I have a lot of contents insurance.

I'm with Cooperative Insurance.
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43CT016
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Call Sign : 43-CT-016
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PostSubject: Re: Insuring Radio Gear   radio - Insuring Radio Gear Icon_minitimeMon Jan 10, 2022 1:48 am

Mine are on the home insurance policy.  The main radios had to be itemised (Which I see as a plus anyway) and the rest just get added to the total sum insured.

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Victor
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PostSubject: Re: Insuring Radio Gear   radio - Insuring Radio Gear Icon_minitimeMon Jan 10, 2022 6:35 am

I'm sort of 'fingers crossed' that my gear is covered under our home contents insurance but always had an 'err'.

These guys were recommended to me by a friend but then I don't have mortgageable equipment like he has! Wink

https://southwestbroking.co.uk/insurance-services/radio-amateur-scheme/

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Age : 15

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PostSubject: Re: Insuring Radio Gear   radio - Insuring Radio Gear Icon_minitimeMon Jan 10, 2022 6:41 am

I would be surprised if my home insurance covered them out in a shed.
I might just phone them and ask.
Thanks for the replies guys.

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PostSubject: Re: Insuring Radio Gear   radio - Insuring Radio Gear Icon_minitimeMon Jan 10, 2022 12:06 pm

My home insurance has upto 15grand for single items,max total 30grand.
But my gear is in an out building where the max payout is 5grand.
I keep as little as possible in the out building but err on the side it might not get paid out.
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PostSubject: Re: Insuring Radio Gear   radio - Insuring Radio Gear Icon_minitimeSun Jan 16, 2022 12:00 pm

You would need to check your policy. 
Home & contents insurance doesn't always cover an outbuilding/shed/shack as they are not connected directly to your house. 
I learnt this once when my shed was broken into.

My radio is covered in my home as I operate in my home now. 
Post Office.
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PostSubject: Re: Insuring Radio Gear   radio - Insuring Radio Gear Icon_minitimeThu Feb 03, 2022 9:04 am

I you can fit a 5 lever mortice lock to your (outside) shack then it will be easier to insure and will probably be covered on regular house insurance. If you specify an item (and pay more) it will be covered wherever it is ie in a car, in a rucksack, hotel room, etc.

I just waffled on ... saying ...  bicycles, prams, car spares, RADIOS, camping equipment, etc. All the usual items in a shed. With no single item over their limit (£1,000 I think). (I have no carbon fibre bicycle and no FD-DX107999WHY).  I have taken photos of ALL my gear - including camping stuff, bicycles etc. And I maintain a list of my equipment with price paid and replacement cost (for my eyes only). And photos of the locks and shed piled with stuff.

I looked at the RSGB insurance company - but couldn't justify the additional extra cost. Even though they insure equipment out and about and at contests.

Join the EURO Amateur Radio group and they provide limited insurance for events.

My biggest worry is equipment stolen from my shack, followed by equipment stolen from my vehicle when I have gone for a short walk. Then I am watching the EMC regulations and bicycles right of way and wondering what would happen if a stranger tripped over my coax in a deserted field when I am portable ... so I worry about liability too.

Just my thoughts and worries
All the best
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