Vehicle insurance and declaring the carry of guns ammo.

[Morkai]

Declare nothing more than is asked.....some people do like to make things difficult for themselves.

 

[palmer_mike]

Ammunition in a fire just pop’s doesn’t explode.

Sometimes, sometimes it a little more interesting than just popping

As part of my job we conduct burn tests on ammunition and it’s packaging…….

 

[Woodsmoke]

None of their bloody business. Tell them to poke it

 

[Apthorpe]

What a load of hogwash!
Carrying guns or ammo has no effect on the risks when insuring a car. It's not going to initiate initiate a fire. By the time any ammunition cooked off, the car would have been written off and the risk of injury from the ammo contained inside a car is trivial. A box of ammo contains much less combustible energy than a bag of nuts.
I have never considered mentioning it, and it certainly is not a "material fact".

 

[Foxyboy43]

Ahem. So following the obvious disagreement viewpoints on vehicle insurance and carriage of noxious items let us now look through the eyes of our favourite insurance gangster broker, at the strange world of House Insurance……
“Now let me see sir, so. you have this room with many a few kilos of Nitro Cellulose, Err, isn’t that an explosive sir? No? So it is merely an accelerant? Just asking out of curiosity - what does it accelerate? Ah, burning. Good, fine, super. And you keep the all those tubs together on your shelf, just like little ducks in a row? Right, super, great, okaaayyyy….
And may I ask what are these Primer things? Gosh aren’t they small and so shiny? Oh - so they are not accelerants - great, super, that is a great relief, oh but they are, sorry? Did you really say explosive? Gosh, and did I catch you right just now, did you actually say you have thousands of a few loaded bullets too…… AND YOU HAVE GUNS!!!!!!!!! Next!!
Just saying….

 

[rarms]

Nfu limit before declaration is 2000 rounds of either shotgun or firearm ammunition, I've just spoken to them but they weren't competitive

So far,
Hastings £307
Nfu £938

Thats only 4 tins of air rifle pellets!

 

[Ludders]

Absolute guff. Go to Toyota direct. They were the cheapest by a chunk of change on my Hilux and didn't ask stupid questions

This is who I use for my hilux also,
They always been very competitive on pricing and it also seems to go down slightly each year.

 

[slider]

Noticed at my last renewal that the NFU now restrict you to 2000 shotgun shells.

I had 10,000 in the car one day a couple of years ago, sat down on the springs a bit!

 

[estokes10]

NFU wouldn’t insure me due to carrying firearms. I was surprised but Direct Line came in with the cheapest price for my Hilux.

 

[palmer_mike]

NFU wouldn’t insure me due to carrying firearms. I was surprised but Direct Line came in with the cheapest price for my Hilux.

Why did you tell them about firearms, is it any of their business?

 

[Eddie P]

Ask them about other sporting goods. Cricket bat? Horse saddle?
What about after the weekley shop and you've got aerosol oven cleaner next to your frozen peas?

 

[Idlemusket]

I sometimes get a tornado in my vehicle .... only when the terrier spots a motorbike though in contrast the gun and ammo just lay there quietly

 

[I. Farticus]

This is who I use for my hilux also,
They always been very competitive on pricing and it also seems to go down slightly each year.

I carried on with them after selling the Hilux and buying a normal car as they are still competitive

 

[estokes10]

Why did you tell them about firearms, is it any of their business?

I’m not sure how the question came about if I’m honest. But if you’re asked you need to be honest with the or risk voiding your insurance should a claim need to be made.

 

[sanibel686]

Update, against a profile of 13 years ncb, me and the wife with clear records apart from someone ramming her stationary car in 2017 ie no fault.
Car is a 2017 hilux
Hastings got my business at £307 (and the next dozen on compare the market ranged from £312 to around £450
Nfu nonsensical at £938
Toyota direct ludicrous at £1016

Believe me, I robustly grilled nfu and Toyota direct to ensure no mistakes had been made and they assured me that these were valid rates.

Regarding the insidious manipulation and veiled accusatory rhetoric surrounding our "non disclosure of the carriage of dangerous items" it appears to me that van insurers are beginning to recognise this as yet another route to wheedle out of claims payouts.

 

[Morkai]

Are you insuring this Hilux as a business delivery vehicle or van etc or just as a personal vehicle?

 

[Hanechdene]

Aplan use to give a discount on certain policies if you were a shotgun or firearm certificate holder.

 

[sanibel686]

Are you insuring this Hilux as a business delivery vehicle or van etc or just as a personal vehicle?

Social domestic pleasure and business journeys

 

[Morkai]

Social domestic pleasure and business journeys

Im surprised it even came up, ive got the same cover on my car and never been asked about firearms and ammunition.

 

[captain jon]

All insurers require material facts to be declared. What is a material fact to one company may not be to another.

If in doubt, declare it. Record the date, time and the name of the person you spoke to.

In the event of a loss, the insurer apply several penalties for failing to disclose what their underwriters may consider salient to their risk assessment including voiding the policy altogether.

By far the greater physical risk will be dive tanks imho.

The declaration of salient facts extends to MANY policy types so if you have firearms and a dive bottle, you need to disclose the fact to tmyour buildings insuer and your contents insurer - if doffetent as well as a private or commercial vehicle insurer amongst others.

You do not need to go into great detail. Kiss is the word.