Talk Angling fishing chat and tackle advice - View Single Post

Flipper boy · 11th June 2008, 02:18 PM

Short answer is a resounding yes - tackle Insurance is worth it. The question is who do we Insure with? Well, i was with E & L & believed this was geared up for Anglers taking into account the value of our equipment in particular whilst in use, especially poles. I was wrong - no claim will be accepted for tackle damaged in use. This also applies, certainly now, with Insurance companies in the UK providing Home Insurance. Therefore, what we believed was a bespoke Tackle Insurance meeting Anglers needs will infact only offer the same as your household cover, apart from added extras such as cover for Personal injury,etc.

Therefore, my advice is contact your household Insurance cover & state that under the section of Personal Possessions (which at the moment is probably Unspecified items) you wish to specify items of Fishing tackle. Before doing this list your tackle giving a value & ask the question regarding the limit on a single item. For example, many anglers now have poles with a value of £2000, but the Insurance company on a specified item may pay a maximum of £1500.
It is always good to keep original receipts, particularly on items in excess of £100. An up to date list of your equipment & photographs of your equipment insured. Stating also where you leave the equipment when unattended - like in a Garage, shed or in the house. In the event of a claim it is usually New for old with an excess of between £50 - £100. What this means is if you bought a pole 6 years ago for £500 which is now discontinued the nearest equivalent pole may have a new value of £650.

The fact of the matter is you insure your tackle against theft ie, from your shed or Accidental damage in your home. Whilst fishing you have to be very careful. However for an extra few pounds a month its a small price to pay for piece of mind.

11th June 2008, 02:18 PM	#2 (permalink)
Flipper boy Registered Club Member Registered member Join Date: Mar 2008 Posts: 33	Tackle Insurance Short answer is a resounding yes - tackle Insurance is worth it. The question is who do we Insure with? Well, i was with E & L & believed this was geared up for Anglers taking into account the value of our equipment in particular whilst in use, especially poles. I was wrong - no claim will be accepted for tackle damaged in use. This also applies, certainly now, with Insurance companies in the UK providing Home Insurance. Therefore, what we believed was a bespoke Tackle Insurance meeting Anglers needs will infact only offer the same as your household cover, apart from added extras such as cover for Personal injury,etc. Therefore, my advice is contact your household Insurance cover & state that under the section of Personal Possessions (which at the moment is probably Unspecified items) you wish to specify items of Fishing tackle. Before doing this list your tackle giving a value & ask the question regarding the limit on a single item. For example, many anglers now have poles with a value of £2000, but the Insurance company on a specified item may pay a maximum of £1500. It is always good to keep original receipts, particularly on items in excess of £100. An up to date list of your equipment & photographs of your equipment insured. Stating also where you leave the equipment when unattended - like in a Garage, shed or in the house. In the event of a claim it is usually New for old with an excess of between £50 - £100. What this means is if you bought a pole 6 years ago for £500 which is now discontinued the nearest equivalent pole may have a new value of £650. The fact of the matter is you insure your tackle against theft ie, from your shed or Accidental damage in your home. Whilst fishing you have to be very careful. However for an extra few pounds a month its a small price to pay for piece of mind.