NFU Mutual Smallholding Insurance

Author Topic: Offgrid buildings/contents insurance?  (Read 1524 times)

ricardodba

  • Joined Apr 2015
Offgrid buildings/contents insurance?
« on: January 04, 2016, 03:04:05 pm »
Hi,

Does anyone know if i need to take out a 'specialist' insurance policy for off-grid equipment?

I have a block built shed/garage which houses my generator, batteries, inverters etc for my power supply.
Most insurances im seeing cover for up to 3k in a garage...i need about 3 times that covering and its not your run-of-the-mill equipment like a lawn mower etc!!!

Any help would be much appreciated.

Thanks.

Voss Electric Fence

bazzais

  • Joined Jan 2010
    • Allt Y Coed Farm and Campsite
Re: Offgrid buildings/contents insurance?
« Reply #1 on: January 04, 2016, 08:30:06 pm »
Ask them to put it in writing on your insurance cover and you can be sure it is if I were you.

Dav275

  • Joined Nov 2015
  • Dumfries & Galloway
  • www.woodwallart.co.uk
    • WoodWallArt
Re: Offgrid buildings/contents insurance?
« Reply #2 on: January 05, 2016, 10:22:21 am »
We were in the same position. We went with a 'non-standard' policy from a specialist company, partly for the off-grid aspect, but also most mainstream insurers seem to struggle with anything that does not conform to their standard construction interpretation. ie.  bricks / mortar / slate roof.

We specified an increase to the contents value for both the garage (contains the heating system) and powerhouse.

ricardodba

  • Joined Apr 2015
Re: Offgrid buildings/contents insurance?
« Reply #3 on: January 06, 2016, 10:22:11 am »
do you have to let the insurance company know that you're off grid?


Dav275

  • Joined Nov 2015
  • Dumfries & Galloway
  • www.woodwallart.co.uk
    • WoodWallArt
Re: Offgrid buildings/contents insurance?
« Reply #4 on: January 06, 2016, 09:08:55 pm »
Perhaps I'm too cynical, but too many insurance companies seem inclined to look for any excuse to avoid paying out, so omitting a 'material fact' may invalidate a claim.

bazzais

  • Joined Jan 2010
    • Allt Y Coed Farm and Campsite
Re: Offgrid buildings/contents insurance?
« Reply #5 on: January 07, 2016, 06:24:25 pm »
If you insure with a company who specialises with your industry they will send someone round for a cup of coffee and a walk round and make the policy fit your needs - not just sell you a 'product' online and cop out of it cos you have not put a omma in a sentance or not included in legal terms what you thought you were paying for.

Insurance is not alot to outlay - and if your not getting back anywhere near what you are paying - your doing it wrong.

bazzais

  • Joined Jan 2010
    • Allt Y Coed Farm and Campsite
Re: Offgrid buildings/contents insurance?
« Reply #6 on: January 07, 2016, 06:25:37 pm »
Your not just paying for the piece of mind - your paying into insurance so that when trouble starts it does not wreck the business straight away and you can go on and continue to pay future payments.

 

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