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Author Topic: Observatory Insurance  (Read 340 times)

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Offline Xsubmariner

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Observatory Insurance
« on: 14:45:48, 29 March, 2018 »
Hi All,
Having spent a lot of time learning and building my first system I neglected to realise how much of an investment this hobby has become. Consequently, I am looking for some Astronomy Insurance that will cover my dome and systems, especially as the house Insurance will only cover £5k for outbuildings total. Please can anyone advise companies and experience with this specialist insurance at a fair price. Any advice will be greatly appreciated. Thanks martin

Offline chris.bailey

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Re: Observatory Insurance
« Reply #1 on: 15:45:30, 29 March, 2018 »
Martin

Glover & Howe seem to be the one everyone uses http://www.gloverhowe.co.uk but you may find it cheaper to just extend your household policy, which is what I have done. I don't think they really understood what I was talking about but I think I pay £35 a year for £15k of cover and on the basis that the mount is bolted down and weighs a ton, seems plenty.

Chris
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Offline Xsubmariner

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Re: Observatory Insurance
« Reply #2 on: 16:15:55, 29 March, 2018 »
Thanks Chris I will give it a try, but the last time I checked with Axa, they were not interested in additional cover. Worth trying again.

Offline Nomis Elfactem

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Re: Observatory Insurance
« Reply #3 on: 23:48:29, 30 March, 2018 »
I've got mine covered too by the household insurance... they said it was covered and just had to itemise anything over a £1K (just my scope) !
Simon

Scopes: Astro-Tech AT-111EDT Triplet, TS65ED Quad, Orion ST80, Modded PST-90 Solar Scope, PST Cak (on loan)
Cameras: SXVF H694, Atik 16ic, Canon EOS 600d, DMK41, DMK21, QHY 5L-II (mono & colour)
Accessories: SX USB Filter Wheel, SX OAG, Baader LRGB Ha SI OII Filters, SharpSky Focuser
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Offline Roger B

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Re: Observatory Insurance
« Reply #4 on: 11:23:45, 31 March, 2018 »
they said it was covered and just had to itemise anything over a £1K (just my scope) !

And SX694 !!!!!   

Rog
Scopes - TS65q, W/O 110 Triplet
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Offline psjshep

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Re: Observatory Insurance
« Reply #5 on: 16:19:56, 31 March, 2018 »
Mine is also covered via the house insurance...

The main issue is, an "observatory" is classified by most as an "out building" and therefore they don't cover stuff of value.... and often not the observatory itself.

Halifax do - works for my setup.

Thought you might like one of the many emails back from Glover&Howe :
"I just heard back from our underwriters and they informed me that for all observatories it is their standard process to increase the excess for theft claims when equipment is kept inside."
- which, btw, is £500.

If you go with G&H, read the small print v. carefully...

Phil
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Offline Xsubmariner

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Re: Observatory Insurance
« Reply #6 on: 12:37:52, 06 April, 2018 »
Thanks guys for the information. My house insurer will not cover more than £5k total for outbuildings and there are no top up options. G&H have now quoted me circa £650 pa after an initial quote of £850 and negotiations are continuing. While they seem to offer a gold plated solution, new for old, accidental cover, transit cover etc, I would be content with just basic theft only (worst case event). If I drop somthing I will curse myself then repair or replace it. Sadly there seem to be few Insurance Options tailored to Astronomy. Where I am involved in other sports, the professional bodies offer members great value for money Insurance to support  their activities. I have looked but am unable to find any insurance associated with the astronomical authorities ie BAA etc. Anyone know of any deals through membership?

Offline Nicolita

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Re: Observatory Insurance
« Reply #7 on: 02:00:06, 17 April, 2018 »
Thanks guys for the information. My house insurer will not cover more than £5k total for outbuildings and there are no top up options. G&H have now quoted me circa £650 pa after an initial quote of £850 and negotiations are continuing. While they seem to offer a gold plated solution, new for old, accidental cover, transit cover etc, I would be content with just basic theft only (worst case event). If I drop somthing I will curse myself then repair or replace it. Sadly there seem to be few Insurance Options tailored to Astronomy. Where I am involved in other sports, the professional bodies offer members great value for money Insurance to support  their activities. I have looked but am unable to find any insurance associated with the astronomical authorities ie BAA etc. Anyone know of any deals through membership?

I hope you get more coverage, why don't you try AXA?

 

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