Hi fi insurance

Hi All
Can anyone advise on suitable specialist insurance companies for Naim systems please?

I added my kit on my home content insurance - all items over £1500

After my previous insurer changed underwriters last year and decided that they would no longer cover my system, I switched to an M&S Premium policy.

Oddly enough, your local bank manager may be able to suggest some contacts - that assumes, of course, that your bank branch has a human being as a manager!.

You may not need a specialist insurer, as many domestic carriers will happily cover you e.g. those like Aviva who work with an aggregate and/or unlimited cover level. But, for your own protection, make sure you have pics/receipts etc, and that you state when setting things up what you have, lest you offend a kit limit sum – which I think is unlikely. Most of the focus appears to be on easily transportable ‘valuables’ IME.

I found Direct Line very odd, as they appeared to think that if you want an elevated (to norm) level of contents cover, you must own lots of art and other portable valuables.

Hiscox is another name which comes up.

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Oh how I laughed! Bank Manager? Even if they do have a shift supervisor there, they are hardly going to be able to give that sort of advice.

In the 70s maybe.

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My bank is old-fashioned, and I have what is known as an account (or relationship) manager.

Good to hear, but a dying breed, as you allured to in your post, unfortunately.

Coutts??? The Nigel Farage friendly bank…

Things might have changed, but …

Coutts is a division of NatWest these days.

My account is with C. Hoare in Fleet Street just opposite the Royal Courts of Justice, who look after many law firms and lawyers. Still a family-run business, unique for a UK bank.


How old are you?
I’ve got SAGA, only had to let them know if any single item was worth more 2.5k otherwise all my stuff is covered accidental aswell
Don’t know to hand exactly how much cover I have, but I know it is more than what I own, any home insurer should cover your kit, might pay a premium depending on what you got,

Hi Graham sorry for being cheeky … I really hate banks…they are a necessary evil…I really hope you get good service. The level of service these days from the big 4 is not that good. All I can say is well done Bank of Dave!

I guess they have still got the muskets in the reception area. I always thought they would be useful if Coutts ever decided to invade! :joy:

I think that the muskets are there in case any customer should think of letting their account slip into the red. They send out a hunting party to rail them in!

The muskets were certainly there when I last visited, but that was a couple of years ago, before Covid struck.

I think that I’ve read a sign saying that the muskets have been there since Napoleonic times - in case the damn Frenchies got behind the Iron Duke’s defensive lines, I suppose!


Us too.


At the risk of being boring by repeating what I always write on insurance threads; think hard before declining the legal cover. I used it when I had my accident to get compensation. The cover cost £25 and it would have cost thousands had I not had the cover. I’d never be without it now.

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I haven’t had any dealings with the bank for a long time but do remember it being an interesting outfit. Don’t know whether you have been upstairs but there is a museum as well as the dining room designed by Viscount Linley along with Chippendale tables!

Employees also used to get a free three course meal for lunch which seemed to be a good perk!

If you use the search tool you’ll find that home or household insurance is a perennial subject where hifi insurance has been discussed before. This is the still current 2023 thread:

The Viscount Linley furniture was still there the last time I was invited for lunch, which was some years ago now.

It is a fascinating old building!

The tellers behind the counters now use ballpoint pens, rather than quills!

I wonder if JK Rowling ever visited before coming up with Gringott’s Bank in her Harry Potter stories?

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