Shed insurance?

[1Bee]

Has anyone found an insurer who will insure a shed and contents that is not at your home address? I've checked with our home insurer, and as expected they don't.

I'm aware of options:
A) Don't have a shed
B) Don't keep anything in your shed
C) Save up enough money to replace your shed and everything in it just in case.

All of which are not feasible for me.

Thank you!

[Baldy]

I reckon you'd be very lucky to find anyone who will insure a shed.
Keeping something worth insuring in a shed... sorry but I have trouble insuring my car.
There is no money in it for the insurance companies so I think you will be out of luck
What are you going to keep in the shed? My mate has a about £400 worth of stuff in his and has lots of locks and so forth.
If I was a thief I'd be taking a keen interest in his shed.
My shed has about £20 quids worth of stuff and no lock...

[SarrissUK]

I'm the same as Baldy - I have a shed, but all I have in there is a couple of bookshelves for storage, a tub of cheap hand tools, some string, pair of scissors, some cardboard and shredded paper. The rest of my tools are kept in boxes that I keep in the van, along with all of the larger tools.

No lock on my shed and I deliberately don't 'prettify' it.

[bikermike]

Insurance is too expensive, I just don't drive my shed on the road any more...

On a vaguely more serious note, have you tried the national allotment federation (?) that advertises in the mag? If they don't, then i doubt anyone will. Tbh, i suspect the high volume of low-level (in the scheme of insurances) claims will make it not worthwhile.

I work on the "keep it scruffy" approach myself. It's a bit cynical, but you just need to be less interesting to burglars than other sheds. Or keep an underfed wolf in it

(I always like the "no tools kept in this van" stickers. Are you really expecting a person who is by definition dishonest to believe you?)

[SarrissUK]

My van is an old fishvan, a Toyota hiace from 2006 - an incredibly reliable but ugly as sin rustbucket, with the stickers to say there are no tools, no scales left in that van over night. So far the stickers have worked, putting any burglars off haha

[1Bee]

Thanks guys, I guess you're right.

There went be anything of significant value in it, but I don't know about you, but I accumulate stuff... If I had to replace all my hand tools, black plastic, fleece, manure pellets, bfb, clips, bits and bobs etc, it would soon add up.

I drive a KIA Picanto. Storing my tools in my wheels is not an option! ��

My home insurance gives up to £2500 cover for a shed at home, as standard, even though we don't have one... I just find it frustrating I can't get cover for my plot shed (not that I have one yet!)

I can buy insurance for my phone, tablet, bike, trophy, cat... But not my gardening tools...

[ameno]

Thanks guys, I guess you're right.

There went be anything of significant value in it, but I don't know about you, but I accumulate stuff... If I had to replace all my hand tools, black plastic, fleece, manure pellets, bfb, clips, bits and bobs etc, it would soon add up.

Who would steal all of that, though? Tools are one thing (although even then I doubt most thieves would have much of an interest in hand tools), but manure pellets, fleece and black plastic?
Or are you expecting the shed to be burned down?

[jackarmy]

Kind of agree ^^^^
I keep tools in my shed, but i dont pay a fortune for any of them. Most have been bought for just a couple of pound if not free.
It is packed full of stuff but all relatively cheap to replace and its certainly easier to leave it at the plot than load and unload the car every visit.
I have three locks on the shed but if it does get broken then i know it wont cost the earth to replace the contents, ill be annoyed but it wont be the end of the world.

[Greenleaves]

Like most others, I dont leave anything of value over the plots.

[Penellype]

I don't lock my shed and have little of much value in it unless burglars are interested in trugs of horsetail roots, bits of cardboard and bubble wrap. There are a few tools but most are cheap and wouldn't cost a fortune to replace. It would be much more difficult and expensive to replace the shed if someone smashed their way in because it was locked.

[Jimny14]

Try Zurich or park insurance. also nsalg.co.uk offer it. Don't know how much allotment insurance is though. Hope you find something suitable.

[veggiechicken]

There went be anything of significant value in it, but I don't know about you, but I accumulate stuff... If I had to replace all my hand tools, black plastic, fleece, manure pellets, bfb, clips, bits and bobs etc, it would soon add up.

Even if you could insure your shed, there would be an excess to pay and would probably be more than the cost of replacing these items.
Would you put in a claim if someone nicked some of this stuff?

[Jungle Jane]

Can you hide your tools,get a container with a lid that you can dig into the earth,put bags of stuff or something on the top of it,a table or anything to act like it’s not there?

[1Bee]

Thanks guys. Don't mind me, periodically I have a bit of an anxiety attack about money, and talk of pay cuts at work plus finally being in a position to buy a shed has triggered me a bit.

Logically it's not at all likely that I'd lose the whole shebang. If I were breeding fancy chooks, it would be another story : they regularly get stolen, sadly.

Deep breaths and accept the risk is low!

[veggiechicken]

Its not worth worrying about what might happen in life, because usually the things you worry about don't happen. The things that happen are those you haven't thought about - and certainly can't insure against.

https://www.youtube.com/watch?v=d-diB65scQU