Just had my renewal notice in for my Toyota Hilux from Morethan Business quoting me £244. As always I do the comparison sites to see what other deals there are. Surprise Morethan Business were quoting £196 so I phoned to query the difference. The guy went through my details including that my occupation I had given as a gamekeeper. Next question was "do you carry firearms in the vehicle?". Obviously the answer was yes and at that I was told that Morethan will not cover anybody carrying firearms as they are considered as "dangerous and/or hazardous goods" as per the Health and Safety Executive.
According to the person I was speaking to this policy has only recently been adopted by Morethan and when I pointed out that potentially there could be numerous sportsmen who are unaware of this and could invalidate their insurance he stated that it was in the small print.
I have searched the Health and safety Executive web site but nowhere can I find specific information describing firearms as "dangerous or hazardous goods" but it would appear that Morethan have taken an interpretation of "any other goods"
Their stance appears to be formed on the opinion that should a vehicle containing firearms be stolen they could be held responsible for any action taken thereafter with the firearms.