John, would existing planning laws not apply, i.e. if its been there for so long unchallenged, it can stay? even if your neighbour did change...
Pinball info
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Garden pinball house?
- Thread starter deathrow
- Start date
You could always tell her the builders didn't follow your plans properly.
You sure just masonry paint on blockwork will keep the water out? They're porous.... Reckon cement render, PVC cladding or similar is needed really.
Might have to reconsider masonry paint on blockwork then and see how much for cement render
Have you got a link for PVC cladding?
Yeah possibly. Not sure I want to chance it though the way our houses are laid out, there is a communal right of way along the back of houses here (with gardens beyond). Anyway, as solid build, I can go up to boundary anyway and my plan stays within the 30 sqm to avoid building regs.
Might have to reconsider masonry paint on blockwork then and see how much for cement render
Have you got a link for PVC cladding?
Here you go:
http://www.kbp.co.uk/trade/cladding/
This is the stuff my builder has recommended - 670 & 671 range. Nice looking wood effect one 'Sherwood'. In fact you've reminded to to request a sample set to be posted out.
In the past there was an orchard attached my house and in the 70's it was sold off to build some town houses. My house was left a drive way at the front that is two cars deep but the space behind is attached to the neighbours plot. At the moment, I am in the long slow process of convincing my neighbour that a bit of land they own would be much better owned by me as it is at a lower level to their main garden and hard for them to reach. This would mean the trees on it become my responsibility which is best as they don't have good access.
It would also have the positive effect of letting the position for my pinball cabin be more than 2.5m from the boundary.
It would also have the positive effect of letting the position for my pinball cabin be more than 2.5m from the boundary.
I lIke your thinking there Geoff.
So - Closely linked in with this subject - Whats the score with expensive machines and Storing them in a "shed" - Insurance wise that is??
Any suggestions???
Any suggestions???
Will very between insurers I reckon Paul. Generally, I would expect the total amount of cover within an outbuilding/cabin to be limited. Construction may be a factor. Going to ring mine and see what they say.... will post up their response.
Any progress with your build john?
Builders can't start until end of September at the earliest Rudi.
That's gotta suck waiting
Some insurers cover the building with contents and some cover the buildings and contents within the land if deemed permanent.
Outbuildings are sheds, some garages and small storage things. That can be taken down.
I was asked by my insurance was the cabin on a concrete foundation, how big it was, what it was made of. They deemed it a permanent structure and so covered in my policy as a building within my boundaries and so covered by the total contents policy up to £100,000.
Most house policies are £35-50K
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Which company was that @Dave Bishop if you dont mind me asking???
Tescos Home insurance. Funny the house has a £1mil rebuild value as well. Hopefully it doesn't happen, but if it does I'm getting a pool ;-)
The monthly premium is quite steep, think its £45 per month. So a lot, but that is due to the content upgrade.
Not an area or postcode with a high crime rate either so that helps.
The monthly premium is quite steep, think its £45 per month. So a lot, but that is due to the content upgrade.
Not an area or postcode with a high crime rate either so that helps.
I dream of paying £45 a month, I will be giving tesco a call but most are scared of my houses.
Dave, Insurers will only reinstate what was there before the loss up to your sum insured. However, you seem to have a good policy, my own insurer; AXA (who I bl**dy work for) have just told me £2,000 limit on outbuilding contents which is feckin sh*te. This is a major stumbling block for me and intend making a stink about it.
Yeah I know, the £1mil rebuild is for mine and if I take the neighbours with me!
Pop a quote in Tesco's insurance website. And give them a call.
When I spoke the guy on the phone and told him pinballs and told him the price of some of them (BBB -£10k) he was like wow I used to play pinball in the pub, don't see them anymore.
I did ask a lot of questions and asked for him to check with the underwriters and came back with pinballs I think were classed as contents/furniture not electronics, not antiques or valuables.
I was going to ask Dave - Tesco are brokers - who is the actual insurance underwritten by? This i think is the key... 
Good to hear Dave, going to do that later. Cheers.
I'm concerned being in my first year with Axa and having paid the premium in full up front, I may not get a pro-rata refund back... I've sent my email off anyway. The girl I spoke to had to refer everything I asked to someone else and by getting 'computer says no' responses, have little faith in what she said. So, attempting to bend ears via email first.
I'm concerned being in my first year with Axa and having paid the premium in full up front, I may not get a pro-rata refund back... I've sent my email off anyway. The girl I spoke to had to refer everything I asked to someone else and by getting 'computer says no' responses, have little faith in what she said. So, attempting to bend ears via email first.
I was going to ask Dave - Tesco are brokers - who is the actual insurance underwritten by? This i think is the key...
Even so, schemes get different terms so going direct to the Insurer may not be the same result. Tesco may have the customer power to get better cover agreed.
Having insider experience of the insurance industry (my wife was a pet insurance claims assessor) I'd make sure you get that in writing. Verbal confirmation over the phone with a sales person won't cut it when you make a claim for 10 x £5,000 of pinball machines only to be told that such high-value items aren't like armchairs and should be individually specified.
Never assume anything with insurance. They will fox their way out of everything because paying out is lost profits (only fair really, that's their business). For any item, not just pinballs, worth over £1,000-1,500 I would declare it explicitly and have it listed on the insurance.
Probably trying for a cash deal!
Sorry, but that's b*llocks. The reason people perceive they don't pay out is because they assume everything is covered and don't read their schedule and/or insurance policy wording (terms, conditions and exclusions) properly. To refuse a claim it has to be backed up or they face the Financial Ombudsman.
Guys, you need to bear in mind that the policy is a new for old, that means the sums insured need to be 'as new' price and not market value, unless you get the items individually stated on the policy with an 'agreed' value. A decent insurance broker should be available to arrange, but don't expect a standard comparison website policy to give you the cover you require if you have a collection of machines! (Whether in the home or in an outbuilding).
I have my machines individually listed on an agreed value basis, and advise insurers on a regular basis of the current machines and values. Often no additional premium needs to be paid.
I have spent 28 years in this boring industry, and even as an experienced underwriter, I still use a broker…… just in case things go wrong there is someone to help sort claims or blame
I have my machines individually listed on an agreed value basis, and advise insurers on a regular basis of the current machines and values. Often no additional premium needs to be paid.
I have spent 28 years in this boring industry, and even as an experienced underwriter, I still use a broker…… just in case things go wrong there is someone to help sort claims or blame
I didn't mean to imply their operation is illegal or underhand, and using the word "fox" probably made the wrong impression, but unless everything is very black and white then not paying is the default action for anything that falls into a grey area. You are 100% right that reading the schedule (and those pesky little exclusions tend to be biggest problems) is of paramount importance and that assuming anything can be disastrous.
But I have had specific issues with pet insurance. It's common practice in medical policies to exclude existing conditions. This means that under most standard policies once you've claimed for a condition you can't claim for it again for the rest of the animals life. This makes it very important to ensure that when a claim is made the vet is very specific about the condition. For example, we claimed for our cat to have dental work due to tooth decay. All fine, all covered. A couple of years later the same cat suffered a fall which broke a tooth and had to have the root removed (no crowns for cats!). Initially the insurance rejected the claim because it was more dental work, but the vet demonstrated that as the cause was different it was a new, and therefore separate, condition. Same treatment, different condition. Claim paid. This is an example of "foxing"
Know your stuff, fight your ground.Household insurance policies I've held have been very specific about individual high-value items. Regularly referenced are items such as laptops, cameras, wedding rings, bicycles, etc., because most people have several of these and they're commonly lost or stolen (often outside the home which is another clause itself). I have a nice mountain bike worth in excess of £1,000 and every policy I've had in the last 20 years has had it listed separately as a high-value item. Other policies have differed in not specifically listing our wedding rings, for example.
All I'm saying is don't chance by making any assumptions. Read the T&Cs very carefully. If you are in any doubt as to whether your ten-grand pin shack filled with a dozen £5k pinball machines is covered then state it explicitly with the insurer and ask them what would happen if it burnt down or got burgled whilst you're on holiday. If it's not covered then you might as well not have the insurance and put the cash under the mattress.
Whilst my own situation is more humble (a £1,900 summerhouse and a pair of pins worth less than £500) I know if either of those scenarios happened I'm fully covered.
I just paid my house insurance last week and I had my TOM mentioned as a high value item (or something to that degree). Since its in my living room its covered by my contents insurance.
I'll be building a room for all my games in my detached garage in a month or 2 so even though its built like a house I'll still have to sort that all out with the insurance company since its outside my house
I'll be building a room for all my games in my detached garage in a month or 2 so even though its built like a house I'll still have to sort that all out with the insurance company since its outside my house
After a patient wait, things got kick-started today.
OP
OP
Thats a good size!
this is gonna be great, i love watching these things go up and then get filled with glorious glorious pins