Insurance

[Laird_M]

Being an organised sort, being an IT bod who works on databases, to keep track of what I've already bought, and need to get, I started a database of my outfits as I'm hoping to get 3 'sets' of outfits, MoH(A) as I've already got the kilt, MoH(M) and MoL(DM), plus extras like clan book, sporran flask, etc.

Which made me realise just how much it can cost to get even one outfit.

To get everything I want I'm looking at about 1500 pounds!
And that's before I even think about my son's request to learn the pipes...

Does anyone have a 'special' insurance policy to cover their regalia?
Having looked at the '10 ways to wear a kilt' and the money the two guys must have spent, it really set me thinking...

[Chas]

Hi Martin,



All my clothes and those of my wife are covered under the general household policy. As a rule of thumb, the insurers are not interested unless individual items are worth more than £1000. There are a few exceptions:

• if the item is antique (very debatable, most insurers set the bar really far back in time),
• If the item is a genuine one off, not mass produced,
• if the item is out of production and an equivalent could not be reasonably found (Phillips V2000 video discs come to mind).

Sentimental value rates very low on the scale.

As an aside, what is MoH(A), MoH(M) and MoL(DM)?

Regards

Chas

[Laird_M]

Sorry, used to the Clan sites.

MoH(A) - MacLeod of Harris (Ancient)
MoH(M) - MacLeod of Harris (Modern)
MoL(DM) - MacLeod of Lewis (Dress Modern)

Aye, I'm a 'Loud & Proud' MacLeod.

[Riverkilt]

I have renter's insurance for all my "stuff." Main reason for taking it out was to cover the kilts and kilt gear. Think its about $10 bucks a month over and above my car insurance - one policy rolled up, car and renters.

[Cowher]

Just make sure it covers moth damage. I already lost one kilt to them and it still gives me bad dreams.

[Laird_M]

Hmm, moth damage...

cedar balls?

[BonnetMaker]

moths are an occupational hazard when you surround yourself with wool sadly I always think of getting moth a bit like kids getting headlice, its no shame to pick them up, but well worth doing everything you can to get rid of them and make sure the pesky blighters don't come back. Regular airing and wearing is the best preservative against them, they prefer to do their evil deeds in quiet corners where we don't notice them, so get those kilts and accessories out and wear them regularly, check them over brush them down and you should stand a good change of if not avoiding damage completely, at least spotting any moths before they get comfy in your best kilt or bonnet.