As and aside, I was thinking about my tackle recently along the lines of what happens if it gets nicked. I reckoned up I have about ?3500 worth if I had to replace everything.
Once I had come to this figure I phoned my insurance provider and asked what cover I have. They said that all out buildings were covered to a value of ?2000. I relplied that I needed to up my cover because I had around ?4000 of stuff in my shed. The woman told me this was not possible and ?2000 was the maximum.
So I decided to try out one of these sepcialist tackle insurers. I rang them up and they gave me a quote to cover my tackle including theft from my car which was very reasonable, untill I started to question it. I asked what cover for car theft actually covered, and it covers my tackle for if I pop into a shop or go for a walk round a lake. I sometimes pack my car then night before a session to make an early get away as getting it out the shed and walking down the passage behind the row of terraced houses and through the passage to the front would probably wake neighbours. It also means I can be up and away within 10 minutes. I know I shouldnt leave it in me car overnight but anyway, the theft from car cover dosent cover leaving it in the car overnight so to me thats next to useless. I then asked for the details on the new for old policy, I was told that tackle will be replaced new for old on gear that is less than 3 years old. So anything you have which is over 3 years old folks, you'll get pence for.
To sum up the sepcialist tackle insurance is not worth it.
I was then talking to Julie Chapman who deals with all the insurace claims which come through Chapmans Tackle and she told me the only thing to do was to bring expensive items into the house, name them on my house insurance and leave nets etc in the shed, just like Mark has said, so its sound advice.
Only trouble is I have nowhere to put anything in my house! Guess I need a bigger padlock.