Hi,
I have a lodger who clay pigeon shoots and he owns his own guns, in order for him to legally keep the guns at his house he needs a license. Unfortunatley you can not live in one place and store them elsewhere so he has asked me if he can keep them in my house.

The question is, how funny are insurance companies about this sort of thing, will my premium go through the roof?
(RUM - Any thoughts???)

They would be stored in a secure, locked case attached to a main wall and the police would check the installation.

This guy also makes fireworks but thats another story.....

If he is a member of a club isn't it possible for him to store his guns there.
I can't imagine there would be many clay pigeons flying over your roof.

not sure, but just imagine the firepower available if someone looks like they may steal you scoob http://bbs.scoobynet.co.uk/smile.gif

robski

Robski - Good Idea - I hadn't thought of that ! ....... http://bbs.scoobynet.co.uk/wink.gif

Bajie - Probably but that would cost him money and he is as tight as a gnats chuff!! (cos of the amount of rent he has to pay! hehehe)

Rich, it has not changed the policy in any way. So long as the cabinet is secure, and the police OK it there should not be any problems. Except to you having to fill the holes in after he has left.

Dan

P.S. Beware of lodgers with guns. Dont have the rent too high......

Rich

Your friend can store his guns away from the place he lives. Well at least I do. I keep my gun at my Dads place. He lives in Middlesex and me in Hertfordshire. I guess it may depend on the police force, as I think they make up their own rules for things like this.

As for insurance, i would IMHO think that the guns have nothing whatsoever to do with your insurance, and are down to him to insure. Perhaps best just to tell your insurance that the guns are in the house.

If you want more info, mail me

David

RichB

RichB,

Storing of weopons at your house should not effect your insurance unless of course you are intending insuring them on your policy.

It is obviously a legal requirement that the guns are stored in a Police approved cabinet.

More importantly for you is that you advise your insurers that you have a lodger. It is likely that they will automatically exclude Theft unless there has been forced and/or violent entry/exit to/from the property i.e. no theft cover if the door is left unlocked...window open etc.

The reason for this is that once you have an additional person within your property you loose control over the security issues - hence you are at higher risk of incurring a loss.

Any queries give me a shout.

All the best

Tom
0113 250 0377

Cheers Tom.

Thanks guys, i'm not worried about insuring the guns, as Shark said its up to him to insure them but I was worried there might be some sort of safety type problem which pushes up the buildings insurance or something, explosives etc.

I just didn't want to call my insurance company incase they simply said "yes sir, we need an extra 50 quid..."