Model Railway Insurance

Generally home content insurance policies do not cover model railway collections as they are often kept in garages, sheds or outbuildings. Even those that do tend to place restrictions on the cover available. Having specific model railway insurance in place means that should disaster strike you can have peace of mind that your beloved collection is well protected.

We can arrange cover for:

• Model locomotives
• Model rolling stock
• Model railways
• Layouts
• Model boats (including radio controlled)
• Model aircraft (including radio controlled)

While using your model railway it is important that you ensure you are adequately covered. Please be aware that there are a number of exclusions from this policy, including:

• Any damage caused by wear and tear is not covered.
• Any damaged to any equipment caused by a date change or computer virus.
• Gradual operating cause or any process of cleaning, repair, restoration and re-siting other than costs involved following insured damaged.
• Any costs that are not directly associated with any insured incident.
• Any damage to your own property that you have deliberately caused or allowed to happen.
• Any damaged that occurred before the commencement of cover.

We have provided a summary of the key features of the policy, above. For full details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.

Cover is not provided for:

• Any physical property you own that is not recorded on your policy schedule.
• Legal liability whilst you are not performing Model and Model Engineering activities.
• Legal liability arising from you performing any employment, trade, profession or business activities.
• Excesses – this is part of the claim you have to pay.

Yes we can cover model boats and model boat collections for both private residences and exhibitions.

Yes we can cover model aircraft and model aircraft collections for both private residences and exhibitions.

If you would prefer to spread the cost of your RIB insurance policy, you have the option of setting up a Direct Debit to pay your premium bimonthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debt.

To understand more about how PCL work together with Everywhen, please read our Regulatory Information.