Before completing your quote please be aware that you can tailor your cover to reflect your requirements on an individual gun by gun basis. Our standard cover is new for old which is based on the new value of the gun or its updated model. Any gun which is less than 5 years old will need to be insured on a new for old basis – requiring the value to reflect the new cost of the gun or its updated model. New for old is option “N”.
If you gun is over 5 years old you can still select new for old cover as above but you can also select to insure on a second hand value (Indemnity insurance) – using the current market value of the gun. An excess will apply to any guns insured on a second hand value basis based on the age of the gun (ranges from 10% to 30% - see policy wording for details). This is option “I”.
If you do not wish to have an excess but still use the current market/second value you may select “Agreed” value option. This requires you to have written evidence of the gun value e.g. a receipt or email from a RFD etc. Agreed value cover is at a higher rate than second hand cover but has a £0 excess. This is option “A”.
If you take out insurance you must also take and retain a photo of your guns as evidence of condition. The photo should be dated by a newspaper or similar in the background or you can use the policy schedule issued once you take out cover. The photo should show the entire gun (both sides) together with serial number. Please retain the photo as it will be requested in the event of a claim and may affect cover if you are unable to produce. There is no cover for 14 days at all under the policy if the photos are not taken/ produced as evidence.
You may select cover requirements per individual gun e.g. one gun new for old, then the next on a second hand value etc. If you have any questions, please call Newmoon on 01892 506884.
Total value of accessories to be insured *
These are defined in our wording as Equipment specified below which is designed to be used during Outdoor Pursuits - Bags and cases; Cleaning Equipment; Safety equipment (excluding Walkie Talkies); Shooting sticks; Stools and seats; Tent and hides.
Telescopic Equipment to be insured *
These include the modifiers
Specialist Vision Equipment to be insured *
These are Binoculars, night vision and range finders, which You use during Outdoor Pursuits.
Important :- Proof of Ownership. Your gun certificate/ firearms licence will be evidence of ownership of the gun. For other items you may be asked to provide evidence e.g. a receipt etc. If you do not have a receipt please take a photo of your items with a newspaper in the background to date the photo.
Unattended vehicle cover is included in your quote subject to you following Home Office guidelines. A link is provided for your reference here but in summary you must lock the vehicle and keep the guns out of sight.