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.
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 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!
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.
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:
It sounds like all of this insurance discussion is based on UK policies, but I know in the US it is generally the case that a typical homeowner’s or renter’s property and casualty insurance policy has a fairly low sublimit for electronics and collectibles. So, folks generally have to get a separate endorsement to increase that sublimit, or perhaps an “all-peril”policy that actually names the specific articles covered by brand, type and serial number, evidenced by the purchase documentation.
Anecdote - from a reliable source – the modest (sunken) fish pond in the foyer of Coutts on the Strand had to be roped-off when the late Queen mum visited, as she was of a want to peer in, not being 100% steady on her pins in later days.
My experience in Britain has been that decades ago with low total insured cost any individual thing --not just electronics, with a value over a certain threshold had to be declared, with a higher cost if the total of them exceeded another threshold. In more recent years many policies only do that for what they term “valuables” typically defined as jewellery, art and collections. Whether the change has been one of evolution over time, or simply coming in once total home contents replacement cost exceeds some other threshold I don’t know.The other thread I linked above has some people’s recent/current experiences.
