Insuring your cinemaquettes

Discussion in 'Cinemaquette Chat Noir' started by rrjrstatueman, May 29, 2013.

  1. rrjrstatueman Custom Daredevil

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    Hey guys , this question about insuring your collectables was actually asked in statue forum , so I thought it would be a good question to ask here . My wife has actually asked me why don't I insure my collectables as they are worth a bunch , I always figure what are the chances of them being stolen or fire , but one never knows I guess , have anyone ever consider this ? , or anyone have any idea how its done ? Do you need proof of purchase of value you paid for each and if so what if there is none , ,
     
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  2. Stephen Charter Lounger

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    Mine are covered under my house insurance Raf but like everything else, only for the purchase price which I can prove through original receipts.
    I think I would need special separate insurance to insure the collection at current market value. Such a thing is available but not something I've ever really looked into.
     
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  3. phil the sixth Charter Lounger

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    Same for me,the collectibles are covered in my house insurance aswell.
     
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  4. WingdSoldier Little Miss Chatterbox

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    True, they are covered in most house insurances but only for specific risks like fire, the breaking of glass (like in a display cabinet), and such.
    If you would drop something while moving it, or accidentaly get caught on something for example, that's another case. For things like that you need an all-risk insurance.
    It has crossed my mind as well, but I've never gotten around to informing about the annual premium for such a policy.
    As for the receipts, if you have pictures that prove you have a specific piece in your collection that'll probably do for most insurance companies. Of course, it never hurts to keep those receipts :D
     
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  5. Lars Keymaster Staff Member

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    OMG my bĂȘte noire! Thanks for bringing this back to my attention. :headknock:
    In all honesty I have no idea but I hate paying for insurance... :waah:
    But yes they're at least in the house insurance but retail price doesn't really cut it in my case. :cry:
     
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  6. Patriot666 Demands Audiences

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    A couple guys on SS Freaks recommend this company. I haven't taken the time to get the insurance yet though.
    http://www.collectinsure.com/
     
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  7. docmario Chatty

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    Sounds good..yea I need this insurance tgibg...I m getting worried with more collections in my house..and I can count them its up to 10 grand so far...damn
     
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  8. docmario Chatty

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    I dont get it..with house insurance would the collectibles be insured how different to the independent insurance company?
     
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  9. Stephen Charter Lounger

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    Items of particular value often need to be specified separately on a policy. This is especially true of "collections" with considerable replacement value - for example collections of coins or stsmps. It can also cover items like expensive wristwatches or bicycles.
    It all comes down to your policy, but I'd feel much safer with specialist insurance for a large collection than trying to argue/prove ownership after the fact. Sometime your house insurance is for a set limit and its surprising how quickly just a few pieces can elevate your contents insurance over the limit without you
     
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  10. Lars Keymaster Staff Member

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    But, damn, that insurance premium sure can buy a lot of nice pieces over a lifespan, lol. :lash:
     
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  11. Enzucho Opionated

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    Lars wrote 1 day earlier »
    But, damn, that insurance premium sure can buy a lot of nice pieces over a lifespan, lol. :lash:

    Precisely my thoughts.
     
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