03-03-2018, 03:13 PM
(This post was last modified: 03-03-2018, 03:15 PM by Stuart Giles.)
Photographing your tools might be worthwhile. My workshop was burgled when I was away at the Hershey Swapmeet a few years ago. Along with a few other items, the low lifes took a fair few Snap-On spanners and sockets. When I claimed for their replacement, the insurance company's response was 'do you have receipts for all these tools' As most of them were relics of my time as an employee in an engineering workshop 30 or so years previous -obviously not- However what I did have instead was a digital photo of each drawer of my tool cabinet with its contents, making it rather difficult for the insurers to claim the tools either hadn't existed or were actually made by the Hokey-Cokey tool company.
BTW, my insurers replaced all the Snap-On stuff directly via Snap-On themselves, the retail value was about £1300 -most of that sum seemed to have been added to my insurance renewal when it came up. Obviously I changed insurers. When searching for another insurer, from reading all the policy wording, I found that a lot of companies limited the amount payable for any items in "outbuildings" often to around £1000. As that wouldn't replace my garden tractor, let alone anything else; I found a company that simply insured buildings and contents without any ifs, buts or maybe's.
BTW, my insurers replaced all the Snap-On stuff directly via Snap-On themselves, the retail value was about £1300 -most of that sum seemed to have been added to my insurance renewal when it came up. Obviously I changed insurers. When searching for another insurer, from reading all the policy wording, I found that a lot of companies limited the amount payable for any items in "outbuildings" often to around £1000. As that wouldn't replace my garden tractor, let alone anything else; I found a company that simply insured buildings and contents without any ifs, buts or maybe's.