Model Railway Collection Policy

The policy covers loss or damage to your Model Railway, including Garden Railways up to and including Gauge 3:

• whilst kept in your own home, garage or other outbuilding
• whilst in transit anywhere in the UK, and
• whilst at exhibitions in the UK.

The policy provides cover for your layout, locomotives and rolling stock, scenery and track work, scale model buildings, electrical control equipment and wiring and other model accessories and tools, memorabilia, photos, books, DVDs and all other property used in connection with your model railway or model engineering activities.

• You must select your own sum insured for your model railway, which should be based upon the cost of replacement as new or, where appropriate, cost of materials and any labour costs for any part of the model railway collection that is to be repaired or restored.
• The selection of adequate sums insured remains your responsibility and these should be regularly reviewed to ensure it keeps up with any appreciation in value.
• When calculating sums insured, include VAT.
• If the sums insured are not sufficient then any future claim payment may be reduced.

Please note sums insured are not index-linked at subsequent renewals.

The policy limits the amount payable for a single item to £1,000 maximum (Layouts are not defined as a single item). This limitation is removed if the item is listed as a specified item on your policy.

When you take out cover with us, we will issue a policy schedule detailing the cover provided and the property insured, including any specified items valued over £1,000. The Policy Wording should be read in conjunction with the policy schedule.

A standard £100 excess applies to each and every claim but increased to £250 for theft from unattended vehicles, caravans or trailers or from any hotel or guest house room.

Where any item of the model railway collection cannot be replaced as new, repaired or restored we may require documentary evidence from you to support the property valuation, e.g. purchase receipts or examples of similar property taken from enthusiast magazines, journals, websites or other supporting evidence.

In addition, the policy will pay reasonable labour costs to repair or restore the model railway following a valid claim, the standard cover provided by the policy is up to 50% of the:

• sum insured for any specified item, or
• single item limit for any unspecified item

Where you are responsible for the first amount of any claim (known as an excess) the claim settlement will be reduced accordingly.

The sum insured or the indemnity limit (as appropriate) will be the most Ansvar will pay unless otherwise stated.

For any undamaged items that forms part of a pair, set, suite or one of a collection of matching items of a valid claim, such items must be protected and retained for our inspection, unless we or the loss adjuster have instructed you to the contrary.

For any specified item forming part or all of the model railway collection valued at £5,000 or more, Ansvar will require an independent valuation from a UK dealer of such property or any other valuation acceptable to them.