View Full Version : Contents insurance & Hi-Fi
Talking about surge protection on another thread reminded me that you should all double check to make sure your contents insurance covers the FULL value of your audio equipment and software (records/CDs). Often there is an upper limit of say, £5K if I remember right. ALWAYS READ THE SMALL PRINT.
I also remember we had to search around for an insurance company that would agree to cover us.
Also, if you have thousands of records or Cds, many insurance companies regard this as a 'collection', which has to be specifically declared and insured. One company we asked wanted me to list on paper all my records in order for them to agree to cover them! Needless to say we went elsewhere.
When you add up the replacement value of all your records/Cds (say £10 each as a ballpark figure) Replacing 100 will cost £1000, replacing 1000 will cost £10,000. The replacement cost for everything (including mains blocks etc) can soon multiply to ridiculous levels.
Make sure you are adequately insured!
HighFidelityGuy
22-03-2010, 16:14
Good call Kris! My wife mentioned this a few weeks ago and then I forgot about it. I'll have to check mine out.
Cheers. :)
hifinutt
24-03-2010, 20:05
very good point , i am with liverpool victoria and they do insure quite a bit if you specify the value etc of entertainment items
also very impressed to read that gazar who had those lovely sounding damaged focal 1027 at the wigwam show has been offered full price replacemt from direct line
http://www.hifiwigwam.com/view_topic.php?id=53821&forum_id=1
I am insured with Hiscox and I have sent them a list of equipment serial numbers and values and asked them to acknowledge that these items are insured to their full value, which they have done.
Since my hi-fi system is valued at exactly half my entire contents, it was important for me to find an insurer who didn't quibble. Still, the proof is in the claiming and thankfully I have never had to - yet.
Regarding collections, one way of keeping a record is to photograph blocks of CDs in storage with their spines showing using a digital camera. It's then possible to read the titles if necessary. 30-40 photos should cover a decent collection and then you have a pain-free record. Doesn't work for vinyl, though :(
The Grand Wazoo
01-04-2010, 08:20
I can vouch for Hiscox too - they're unflustered by high value items & don't consider my records & CD's as a 'collection' in the sense that it's made up of collectors items, but rather they just understand that I have a lot of them & some of them are valuable.
I used to have an excellent policy with the Royal where I also wasn't penalised for owning high value items, nor did I have to itemise anything - & they paid up with no question when I nadged me Koetsu! After some management upheaval, they realised that this policy product was too much of a bargain for the customer & scrapped it.
Peter Galbavy
01-04-2010, 08:48
I will NOT vouch for Hiscox. I am still in the middle of a claim dispute with them. They are as underhand and as slimey as every other insurance company when it comes to the point that matters - making a claim. Note the silly default excess on the policy (£500) and that they put all replacements through their rather corrupt supplier who wants you to pay this excess to them before they supply replacement goods. Any *cash* settlement is discounted by an amount they choose to represent their issuing of "vouchers" - about 10%. Basically, you either buuy in the shops they issue vouchers for or you get 10% less cash minux the excess. This means the excess is actually £550. There's more, but I don't want to get stressed anymore.
Hiscox are as bad as any other insurer at claim time.
The Vinyl Adventure
01-04-2010, 09:00
I have my house contents, Buildings, and all my business insurance with a company called "imaging insurance" they have always been pretty good and even through the recent claim on my tt have been reasonable!
Hiscox are as bad as any other insurer at claim time.
That's not good to hear at all :(
I subscribe to the view that ' it's always better to be selling insurance than it is to be buying it.'
Consequently I don't have any contents insurance at all.
Insurance companies don't make money by paying out on claims - any excuse they won't pay - and even when they do you are always covered for less than you think.
Of course that was no consolation to me when I went down the allotment one day and left the front door wide open. Shock of my life when I returned home (about four hours later) to see the front door standing wide open. It had gone dark and I walked in fully expecting to find a room devoid of hi-fi, TV, computer etc. But it was all still there, untouched.
Maybe I am a fool not having the cover but nowadays I always make sure I have shut the bloody door properly:)
Hiscox are as bad as any other insurer at claim time.[/QUOTE]
Oh dear - I thought this company was the bees knees. Hope I don't have to make a claim. Their excess would probably rule out most claims!
I subscribe to the view that ' it's always better to be selling insurance than it is to be buying it.'
Consequently I don't have any contents insurance at all.
Insurance companies don't make money by paying out on claims - any excuse they won't pay - and even when they do you are always covered for less than you think.
Of course that was no consolation to me when I went down the allotment one day and left the front door wide open. Shock of my life when I returned home (about four hours later) to see the front door standing wide open. It had gone dark and I walked in fully expecting to find a room devoid of hi-fi, TV, computer etc. But it was all still there, untouched.
Maybe I am a fool not having the cover but nowadays I always make sure I have shut the bloody door properly:)
If I left my door open I dread to think what would happen.
If you have a new for old policy then they will payout, so long as you have receipts for high value items, the receipts need to be from either a reputable dealer or manufacturer.
The grey messy area comes when you have bought 2nd user kit from a non business supplier especially if you have no receipts.
Best to check your policy before you need to make a claim as to what is and isn't covered, if you have no receipts then take photographs, record serial numbers and send them to your insurer and the police if you feel you're at risk.
Ali Tait
03-04-2010, 11:24
That's the problem for me,you can't have receipts for DIY stuff.
That's the problem for me,you can't have receipts for DIY stuff.
Yup found that one out the hard way
Peter Galbavy
04-04-2010, 08:11
If you have a new for old policy then they will payout, so long as you have receipts for high value items, the receipts need to be from either a reputable dealer or manufacturer.
The grey messy area comes when you have bought 2nd user kit from a non business supplier especially if you have no receipts.
Also check for "we will supply your replacement items from our chosen supplier" types clauses. This is one of the areas that bit me. Do I really want a replacement laptop from PC World when I bought the original from a "decent" supplier with good support etc. ?
Ali Tait
04-04-2010, 08:36
Suppose one good thing is people would find it difficult to run off with a pair of 6'6" statics or valve amps that will probably be a 2 man lift even in monoblock form.
Suppose one good thing is people would find it difficult to run off with a pair of 6'6" statics or valve amps that will probably be a 2 man lift even in monoblock form.
I think its a point not many people consider - just who is going to burgle your home?
Either - a team of professional thieves - they know exactly what you've got, have away in and out planned and have buyers lined up for the swag already.
When I lived in Liverpool this happened to a house about two doors down. The owners went on holiday for a fortnight and came back to find the place cleaned out - they even took the rugs. They had used a hydraulic jack to force the (very secure) back door open, backed their van into the driveway and just loaded up.
Or much more likely - Drug addicts looking for something they can sell quickly to get a tenner to buy a bag. They will need an opportunity to enter an leave quickly and easily - an open window or poorly secured back door. Even given this, as Ali rightly points, out they will not be running off with the 'speakers. Something like an Ipod or the kitchen DAB unit, maybe. I know a couple of people who have been burgled by addicts - they left all of the hi-fi in both cases. Vacuum cleaners seem to be their favourite target.:scratch:
They're welcome to my Henry as long as they leave my Ushers alone :rolleyes:
Ali Tait
04-04-2010, 10:49
They'd need a fork lift for those!
They're welcome to my Henry as long as they leave my Ushers alone :rolleyes:
:lolsign:
Or much more likely - Drug addicts looking for something they can sell quickly to get a tenner to buy a bag. They will need an opportunity to enter an leave quickly and easily - an open window or poorly secured back door. Even given this, as Ali rightly points, out they will not be running off with the 'speakers. Something like an Ipod or the kitchen DAB unit, maybe. I know a couple of people who have been burgled by addicts - they left all of the hi-fi in both cases. Vacuum cleaners seem to be their favourite target.:scratch:
Very true, we got done about 8/9 years ago, turned out the back door lock was a bit dickey and we had inadvertently left the door unlocked. All the buggers took was a pile of coats and jackets etc and some of her ladyship's jewelry, which would have been easy enough to carry.
We thought, oh shit, like you do but when we added it all up for the insurance it came to about £1500 worth of stuff to replace and I'll bet the slimeballs only got about 20/30 quid for the lot.
Something you have to watch round here is strangers asking you in pubs where you live, if you're daft enough to say such-and-such a street, you can bet the sod will be off to check out all the houses in the road just on the off chance they'll get lucky, knowing that at least one house is empty.
Rare Bird
04-04-2010, 12:09
The beauty with vintage gear is if someone breaks in they don't nic it! What they want is something eye catching they can shift straight away. Telly, DVD player, CD Player, expensive flashy hifi
The beauty with vintage gear is if someone breaks in they don't nic it! What they want is something eye catching they can shift straight away. Telly, DVD player, CD Player, expensive flashy hifi
Yes, but it has to be something a mug punter will buy on the fly. DVD player? You can get one in the supermarket brand new boxed receipt totally legit for £20.00
CD player - no mug punters use CD players anymore, certainly not seperates.
Telly - ever tried lifting a 46'' Plasma? Two man job at least. Drop it and that's your bag of smack gone out the window. My telly is a big rear projection job, they would have trouble getting it out through the door (god knows I had enough trouble getting it in
They used to nick your CDs because they could take em to the local music shop and flog em for 50p each but now there are very few places like that left.
My advice - always leave a 'sacrificial' hoover somewhere obvious when you go out. :)
Rare Bird
04-04-2010, 12:48
Yes, but it has to be something a mug punter will buy on the fly. DVD player? You can get one in the supermarket brand new boxed receipt totally legit for £20.00
CD player - no mug punters use CD players anymore, certainly not seperates.
Telly - ever tried lifting a 46'' Plasma? Two man job at least. Drop it and that's your bag of smack gone out the window. My telly is a big rear projection job, they would have trouble getting it out through the door (god knows I had enough trouble getting it in
Believe me a druggie would take a DVD player & sell it for a tenner, most everyday people only have say 32" LCD TV's.
The Vinyl Adventure
04-04-2010, 12:54
Believe me a druggie would take a DVD player & sell it for a tenner, most everyday people only have say 32" LCD TV's.
believe you eh? hmmm i think i know what happened to you in 1974...you became a druggy didnt you.... and used to rob peoples houses? ... im right arnt i!
(im watching columbo at the mo ;) )
believe you eh? hmmm i think i know what happened to you in 1974...you became a druggy didnt you.... and used to rob peoples houses? ... im right arnt i!
(im watching columbo at the mo ;) )
Nice theory, Detective, but he would have been six years old at the time. Now, wasn't there just one more thing?:)
The Grand Wazoo
04-04-2010, 16:24
most everyday people only have say 32" LCD TV's.
21" CRT here. TV is Beelzebub's best friend.
21" CRT here. TV is Beelzebub's best friend.
I only ever use my TV for watching films on DVD
Just like I only read Playboy for the articles:)
Mike Reed
07-04-2010, 20:59
Have just come across this thread, and am rather surprised. I used to have my gear listed individually with Lloyds High Net Worth insurance (what a misnomer!) and paid hefty premiums accordingly.
I now rely on the AUDIO VISUAL accidental damage section in my contents policy, which has no single item max. but is obviously subject to having enough general cover. My kit covers three-quarters of my cover.
Either I've been totally misled by more than one insurance company or broker (Saga, e.g.) over the years, or this is the cheapest way to insure your gear.
Fifteen years ago I claimed for a knackered Roksan Shiraz cart. (upper hundreds even then), and had no problems under the A-V section. Seems accidental damage is standard on this section with most policies.
Acc. Damage doesn't cover records, CDs etc., though.
Just thought I'd give this thread a bump, as my household insurance is due soon, and I've been thinking about values.
An important point for everyone to remember is that however your hifi is covered, you need to ensure you have allowed enough in your sum insured to cover it new for old - NOT what you paid for it, or how much it is worth second-hand. My system is pretty modest, but working through it all, I still come to over £9,000 if I was to replace everything new, with the nearest equivalent available today.
Your music colection is another interesting one - the same rules apply - so in my case, with c. 4,000 albums, even at a fiver each, that is still £20,000! :eek: It used to be the case that there were inner limits on contents insurance for "collections" - though not so common these days -it is still worth checking, though.
In any case, taking my main hifi, record collection and all the other bits of audio tat that need to be covered new for old, I need to allow at least £30,000 before even thinking about TV, DVD, consoles etc, let alone any other contents!
The final point is the "Average Clause" - basically, what this says is that if you under insure, then any claim is paid on the same basis. As an example - I drop and smash my CD player which costs £800 to replace. I'm covered for Accidental Damage to Hifi and Audio equipment automatically under the policy, and submit a claim. The claims investigator assesses that the total value of all of my contents is £90,000, but my sum insured is only £45,000. In effect, I have only insured for 50% of the contents, so the claim is paid on the same basis - I get 50% of £800 - so £400 for my broken CD player, before any excess is deducted. Of course this gets worse the bigger the claim - a burglary with £10k or loss and you will only get £5k if you are 50% under.
Worth checking all of these points - you never know what might happen.
HighFidelityGuy
21-07-2011, 14:57
This is a topical subject for me as I need to renew my contents insurance.
Does anyone know of any good insurers that don't have stupid limits or restrictions on per item value, second hand or diy gear and suppliers etc? I want to make sure my system is fully covered with "new for old" at full rrp regardless of whether my gear is second hand or not and whether I have the receipts or not. That type of thing. Any ideas? :)
were with tesco ..can't remember who they really are ...but they offer new for old ..full accidental damage cover ... no need to specify specific items no max item ..
aslong as you go with the highest level of cover ....this was actually cheaper than the previous cover we had ....were we had to sdpecify item of a certain value .
though I have a bae steady scope ..[gyrostablised monocular ] current replacment cost is about £20k thats previously either had its own policy or had to be specified ... when tesco was told ...said no problem its covered ...anywhere in the uk !
HighFidelityGuy
22-07-2011, 15:29
Thanks Pete. Tesco insurance used to be done by the same company as Direct Line I believe. I'm with Direct Line now and for some unknown reason they want to put my contents insurance up by about £200 despite the fact that I've never claimed on it. :rolleyes: That was on my standard renewal notice. When I rang them to discuss it they said they could reduce it a bit. That pissed my off as why the hell didn't they give me the best price to begin with. :steam: I know the answer of course, it's because they want to rip me off. So I told them to get stuffed and cancel the policy. :upyours: I'll give Tesco a try and maybe also Admiral as I've just moved my car insurance to them from Direct Line and saved a packet. :cool:
When I rang them to discuss it they said they could reduce it a bit. That pissed my off as why the hell didn't they give me the best price to begin with. :steam:
This really brasses me off. Churchill did the same to me last year - sent a renewal notice with a big increase. 'Phoned them up and was immediately offered a reduction. Needless to say I cancelled and found a better offer.
HighFidelityGuy
22-07-2011, 16:27
This really brasses me off. Churchill did the same to me last year - sent a renewal notice with a big increase. 'Phoned them up and was immediately offered a reduction. Needless to say I cancelled and found a better offer.
Yep, it's one of the things I hate most about insurance companies. Most of them do this now which forces you to have to ring them up every year to get a new, lower price. IMO you shouldn't have to ring them every year. The price should come down a bit every year that you've been a loyal customer and haven't claimed. If you've claimed the price should go up a bit. When I say a bit I mean by £10-20 a year either way. I think that's fair.
The other thing that pisses me off is how it's often cheaper to cancel your policy and re-apply with the same company due to the "new customer" offers. It should never be cheaper for new customers than for loyal customers, otherwise what's the incentive to stay loyal. :rolleyes: It just makes another reason for me to have to ring them every bloody year and waste my time. :steam:
The worst example of all this I've got was with my wife's car insurance last year. She found it was cheaper to re-apply with Direct Line than to stick with her existing Direct Line policy. She specifically asked the guy if she needed to cancel the existing direct debit and was told there was no need. Sure enough they setup a second DD and charged her twice. :rolleyes: To make it even worse the old policy had been paid in full the year before, so one of the debits was for over £500 which we didn't get back for over a month. :steam:
So my tip for the day is to ALWAYS cancel the direct debit yourself if you cancel a policy with a company. DO NOT trust them to do it for you! :thumbsup:
PS: Obviously check that the last payment has come out before you cancel the DD, or that will cause problems. ;)
So, I guess then that you guys are more than happy walking into a car showroom, and paying the price on the windscreen, and would walk away in disgust if you suggested to the dealer that you wanted a discount, and he actually gave you one!? ;)
No Alex, but that's not what's happening here. The insurance renewal I got from Churchill was at a greatly inflated price despite the fact I hadn't made a claim. As soon as I phoned them up to query it, they immediately (without any referral to 'their manager' or any pause whatsoever) reduced the price to something more in line with last year's premium. In other words, their policy was "let's see if we can get away with overcharging all our existing customers unless they complain" - which is a blatant rip-off.
Get a quote from Hiscox. They aren't cheap but you don't get a book telling you what they won't cover. They'll cover everthing, anywhere, all the time.
If you're in a rural area, try NFU
bogle111
22-07-2011, 23:27
Get a quote from Hiscox. They aren't cheap but you don't get a book telling you what they won't cover. They'll cover everthing, anywhere, all the time.
If you're in a rural area, try NFU
It is not just hifi, I am thinking about watch and pen collections!!
We had a break in at work during Christmas Hols 2009, and as Macca said, the Henry went - without attachments. The idiots did miss all my SME & AT arms stored there though, not to mention carts. Did take all the small power tools in our slate side.
I am sure the adjusters are paid on a commission on what they can weedle out from your claim. Have had to claim on many things domestic, Hifi and 3 week old new car - Norwich U tried to devalue the car by 10%, but their secretary let the cat out of the bag as to policy: if less than 1 month old, full value.
Good thread.
Regards
I am sure the adjusters are paid on a commission on what they can weedle out from your claim. Have had to claim on many things domestic, Hifi and 3 week old new car - Norwich U tried to devalue the car by 10%, but their secretary let the cat out of the bag as to policy: if less than 1 month old, full value.
Good thread.
Regards
Hi Peter - I should probably declare my interest in that I work for an insurance firm, but Loss Adjusters are always paid on a a fee basis, not commission. It is however a competitive world out there, and an insurance company will of course not want to pay claims that are not covered by the policy - so a diligent adjuster will of course find favour with his paymaster...
Most motor policies cover new replacement for a vehicle up to 12 months old - and FSA regulations these days would probably preclude an insurer trying to "wriggle" without adhering strictly to the policy wording - one of the overriding principles of the regulator is that insurers must abide by the rule of "Treating Customers Fairly" - so they couldn't get away these days with trying to avoid paying out on full value if the policy says so. Or at least you would have a very strong case if they did!
I don't work for an Insurance Company, but do have some knowledge of how the system is abused by less than honest people. Insurance fraud is HUGE and has almost become socially acceptable amongst some sections of society, so unfortunately the honest are subjected to intense scrutiny when lodging a claim.
I've only claimed anything 3 times in my life and have to say I was dealt with fairly and reimbursed adequately.
Lol, old comment here too which made me laugh . . . giving out where you live to a stranger . . :scratch: what's that all about! Some members of my family don't know where I live, so I wouldn't tell a bloody stranger :mental:
bogle111
23-07-2011, 09:53
Hi Peter - I should probably declare my interest in that I work for an insurance firm, but Loss Adjusters are always paid on a a fee basis, not commission. It is however a competitive world out there, and an insurance company will of course not want to pay claims that are not covered by the policy - so a diligent adjuster will of course find favour with his paymaster...
Most motor policies cover new replacement for a vehicle up to 12 months old - and FSA regulations these days would probably preclude an insurer trying to "wriggle" without adhering strictly to the policy wording - one of the overriding principles of the regulator is that insurers must abide by the rule of "Treating Customers Fairly" - so they couldn't get away these days with trying to avoid paying out on full value if the policy says so. Or at least you would have a very strong case if they did!
Hi Alex
I have never made a claim either domestically or company wise, other than this RS Turbo back in '84 (company car). Comment was a bit tongue in cheek, so I hope no offence taken.
We did have a flood last New Year all down three levels when the snow melted off the roof and we were told to claim by lady at Swinton, but we managed to dry out all the carpets and the wood flooring, scrapped some of my wife's valuable medical books and got a new BT hub. We didn't claim on any of it - I have heard on radio about the claims culture and would rather not be a part of it.
Fortunately, got two lounges - hifi is in other one, three floors up on other side of house.
Got a couple of Breitlings - collectors F-16 models - market value about £5-6K - is it better to put these on a separate policy? When I look at the paintings and some of the antiques, I'm starting to become a little comcerned that we have undervalued contents.
Most of my stuff is pre '86, - I have no idea how I value a Nak Dragon Turntable or SP10's for insurance, let alone old SME 3012's, as the Dragon is probably unreplaceable?
Any ideas on how to value older hifi would be gratefull.
Regards
Last year a pal of mine had a flood when an old copper cylinder in an unused bedroom sprang a leak and water poured down through the ceiling into a breakfast room below, ruining the carpet and a couch that was underneath.
He claimed on contents and they sent an adjustor out. I was working from home at the time and my mate asked me to hang around his place for this bloke as he couldn't get the time off work.
The adjustor turned up bang on time he was a classic - clothers, hairstyle, mannerisms - if you were casting for an insurance claims adjuster you would hire this bloke straight off. My barrage of cheeky scouse humour did not elicit so much as the twitch of a facial muscle out of him...
Anyways point of story - he checked all of the damage meticulously then the insurance compnay sent in their own people to repair and replace everything - my mate saw not a penny of hard cash and absolutely no chance to scam. I don't wonder if the whole claims culture thing is something the insurance companies push to get sympathy and excuse hikes in premiums.
Anyways point of story - he checked all of the damage meticulously then the insurance compnay sent in their own people to repair and replace everything - my mate saw not a penny of hard cash and absolutely no chance to scam. I don't wonder if the whole claims culture thing is something the insurance companies push to get sympathy and excuse hikes in premiums.
That's exactly why if possible they will do the work or supply the goods themselves - as a response to stop the fraud.
I recall years ago there was an extended family in Birmingham who had a lucrative income derived from deliberately stepping out into traffic, getting 'hit' and then claiming compensation. They all had multiple claims going back years, from the grandmother down to the kids. Got found out in the end but they had netted tens of thousands tax free.
I hope no offence taken.
None taken! :)
Got a couple of Breitlings - collectors F-16 models - market value about £5-6K - is it better to put these on a separate policy?
Unlikely to be better or cheaper - make them "specified personal possessions" if you take them out of the house. If in doubt on anything, always tell your broker/insurer and if possible in writing so you have a record.
When I look at the paintings and some of the antiques, I'm starting to become a little comcerned that we have undervalued contents.
As I said in my post - important to cover everything or else suffer "average" in the event of a claim - most people ARE under insured, the only way to do it is to room by room. (I use a spreadsheet so I can update it in future years and substantiate how I came to the Sum Insured.)
Most of my stuff is pre '86, - I have no idea how I value a Nak Dragon Turntable or SP10's for insurance, let alone old SME 3012's, as the Dragon is probably unreplaceable?
Any ideas on how to value older hifi would be gratefull.
All you can really do is best guess - i.e. an SME 312 for a 3012 - see roughly where the SP10 sat in the range and pick a similar equivalent in a current range - not easy, but better to try and document it as you can at least justify how you have insured.
Rare Bird
23-07-2011, 10:54
Also, if you have thousands of records or Cds, many insurance companies regard this as a 'collection', which has to be specifically declared and insured. One company we asked wanted me to list on paper all my records in order for them to agree to cover them! Needless to say we went elsewhere.
When you add up the replacement value of all your records/Cds (say £10 each as a ballpark figure) Replacing 100 will cost £1000, replacing 1000 will cost £10,000. The replacement cost for everything (including mains blocks etc) can soon multiply to ridiculous levels.
Make sure you are adequately insured!
Well i have hundreds of Japanese mini LP CD's..These generally cost me around £22.00+ each, over a couple grand per hundred..soon builds up
I recall years ago there was an extended family in Birmingham who had a lucrative income derived from deliberately stepping out into traffic, getting 'hit' and then claiming compensation. They all had multiple claims going back years, from the grandmother down to the kids. Got found out in the end but they had netted tens of thousands tax free.
I used to do the claims for a large car hire firm in the late 80's - the scams were multiple! Hire a car, crash into a mate - hold your hands up, they claim whiplash etc. and you split the profit. Got third party only cover, but wrecked your car? Same applies - hire a car and then get your mate to crash into you in it... The cheekiest one used to be if you'd blown the engine or gearbox in your Cortina or similar - hire a Sierra for the day, and swap the broken one for the brand new one from the hire car!
.. The cheekiest one used to be if you'd blown the engine or gearbox in your Cortina or similar - hire a Sierra for the day, and swap the broken one for the brand new one from the hire car!
Going way back I knew a bloke with an swb Transit he needed rid of but couldn't sell for anythign like the cash he was after. So he locks it in a garage and reports it stolen, gets a payout.
Problem was he got paranoid and now he has this van sat in a lock up doing nothing and he is paying rent on the lock up. So one night he and a pal get cutting torches go in the garage and start chopping the Transit into little pieces for disposal...
Of course it all went wrong. Tired, and working in cramped conditions they managed somehow to set fire to the lock up with the torches - which then spread to the adjoining garage that was naturally full of paint or resin or fireworks or something - cue arrival of multiple fire engines, police etc :lol:
bogle111
23-07-2011, 17:25
Thanks for that Alex_UK I think I shall get the camera out as well.
Thanks for that Alex_UK I think I shall get the camera out as well.
Yes - that's a great idea too - but don't forget to store the images away from home - upload them to photobucket or similar (in fact, do two separate ones such as imageshack as well) so they're not lost in the event of a tragedy.
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