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31/5/2015 at 5:31pm
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When our Kit was all shiny and new we insured with Shield, you get a discount if in the C&CC, at the time 2008 I had a years free membership of the C&CC, we stopped the insurance when the Tent reached two years old.
For Tent and Kit the premium was around £50 per annum, Shield also did us a seperate policy for the Trailer, which we got new in 2009, the policy for that was around £50 per annum, but we only had that insurance for the first year.
Shield would only payout current market value in the event of total loss, I can imagine they would say in the event of a claim, that our 8 year Tent/Kit and Trailer is worth next to nowt, even though it would cost a small fortune to replace.
But that's insurance for you, different story for Caravans and MotorHomes though.
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01/6/2015 at 3:07pm
Location: Derby.
Outfit: Karsten 350+Awnings
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We looked into having ours insured on our home insurance, but were informed nothing would be insured if left unattended. Quite how someone would nick my tent whilst we were both in it, I don't know!!
Anyway, went with Shield in the end. £102 premium for this first year... covers* us for £3,503 worth of tent and £500 worth of kit.
*(We get "market value" should we need to claim. If my research is correct, the market value of our tent should hold well, for a good number of years (He says, with fingers crossed!)
Briefly, we (Joint policy, for what that's worth??) are covered for:
Loss or damage to tent, providing it is not left erected and unattended for over 4 days.
Damage to or theft of equipment, contents and personal effects. (If theft from unattended tent, equipment must be in a tent with sides that completely enclose the interior, and even then, is only £50 per item, max. £100 total)
Loss of Use:
"If your tent becomes unusable following an insured incident under section one, Insurers will contribute towards the reasonable costs of hotel accommodation and, the hire of a similar tent to enable you to continue the holiday" - "Maximum payable limited to £150 for accommodation costs plus subsequent hire costs of 10% per week of your tent sum insured but with an overall agreed limit." - Up to £500, in our case.
Liability to the Public:
"Covers you and your family or legal representative up to the limit shown in your Evidence of Insurance against liability for causing death or bodily injury to a third party or accidental damage to a third party’s property arising from the ownership
and use of your tent." - "Maximum payable is the agreed limit of indemnity" - £1,000,000 in our case.
Includes European cover for up to 180 day holidays - We're lucky to get 14 days!!
£50 Excess - £Nil if the tent is stolen.
Not covered for:
Wear, tear, and deterioration.
Contents or Personal Belongings valued at more than £200.
Loss of or damage to money, valuables, documents, contact lenses, spectacles, motor driven vehicles, mobile telephones, satellite navigation systems, computers including any personal audio or visual entertainment devices or cycles.
Ok, it ain't cheap, but neither was our tent, and the fact it is covered whilst we are out for the day is a biggy!
Francais,
No, we don't know what we will get if our tent is wrecked, because at this stage, we don't know how old the tent will be, and what the going rate for a similar aged set up would be fetching on the used market at that time. Of course, it's a gamble, as is all insurance, but for now at least, one I'm prepared to have a flutter on!
Admittedly, if I could have found someone to say "We will pay out £x pounds for a total loss", I would have given it, and the relative premium, serious consideration ... but I simply couldn't find anyone who could give me that extra assurance.
My original thoughts (subject to change!) were to carry on this insurance for about ten years, thus (at the same annual rate) paying total premiums equating to approx. 28% of the original purchase price. By which time, I'm hopeful the tent would still be of value to me, but maybe not enough to be paying out insurance for it. (£3500 purchase + £1000 insurance over ten years = £450 per year, for a top quality tent... I think that would be money well spent, and if it got wrecked/nicked the week after, I reckon I'd have still got great value from it!) Any use, or sale proceeds, after that, would be very much a bonus.
Obviously, I've only had this a few months, and certainly haven't made a claim, so I've no idea whether this is a good policy, or indeed, if Shield are any good or not, when it comes to paying up.
I just felt a little more relaxed, knowing we have some insurance, that appears, at least, to be "better than nothing"!!
... Sorry... That's the shortest I could keep this post, without going into detail!  
Post last edited on 01/06/2015 15:21:16
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Campervan:
Give us chance!
Tent:
July 2012-Dec 2024: 456 nights.
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Topic: Tent insurance
- we have always insured for the first 7 or 8 years. 
