Take cover in your garden

By Daily Mail Reporter
Updated: 00:00 BST, 24 June 2000

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Most 基準 世帯 保険 政策s have not kept up with the 現在の 傾向 for gardening.

The 協会 of British 保険会社s says items such as garden furniture and マリファナs left in the open are 普通は covered on home contents 保険. But only up to やめる a low 限界 - typically £250 to £750.

Cover for items stolen from a locked garage or shed - lawn-mowers or garden 道具s, for instance - is higher and depends on the type of 政策 you have.

For a basic contents 政策 bought over the phone you might have cover of £1,500 to £2,000 for 窃盗 from an outbuilding.

But if your lawnmower is stolen from the 前線 garden while you've popped in for a coffee you'll be able to （人命などを）奪う，主張する only the much lower sum for things left outside.

If you have expensive garden 器具／備品, ask your 保険会社 if you need to 名簿（に載せる）／表（にあげる） this 分かれて on your 政策. You may need to 支払う／賃金 a bit more for the extra cover.

工場／植物s growing in your garden, as …に反対するd to in マリファナs, are usually 除外するd from contents cover, though some 保険 companies, 含むing 王室の & SunAlliance and Eagle 星／主役にする, are 追加するing 保護 for 工場／植物s, shrubs, trees and lawns to their 基準 政策s.

At 王室の & SunAlliance, the 限界 for 工場／植物s is £500, rising to £750 at Eagle 星／主役にする.

If you need a higher level of cover, speak to your 保険 company or 捜し出す out a specialist 政策 through an 保険 仲買人.

Norwich Union policyholders with a Home 加える 政策 (利用できる from 仲買人s) can 支払う／賃金 an extra £30 a year to 供給する cover of up to £2,500 for the cost of 取って代わるing 工場／植物s stolen or maliciously 損失d.

Anyone with an RIAS home 政策 (for the over-50s) can 支払う／賃金 an extra £21 a year for £750 of cover for 工場／植物s, trees, hedges and 盗品故買者s.

If your home is 価値（がある） at least £250,000 or more and your contents more than £75,000, consider 接触するing a specialist 保険会社 such as Hiscox, Chubb or 独立した・無所属

for a tailor-made 政策. They don't 取引，協定 direct with the public, but you can get in touch through an 保険 仲買人. Hiscox automatically 供給するs at least £2,500 of cover for gardens.

広報担当者 Peter Gwynn says: 'One of our policyholders recently （人命などを）奪う，主張するd for a 列／漕ぐ／騒動 of newly 工場／植物d leylandii which were stolen. Our 目的（とする） is to be 柔軟な, understanding and, most importantly, to 支払う／賃金.'

Your 温室 and other outbuildings, garden 塀で囲むs and 覆うing will usually be covered by your buildings 保険, but make sure the 量 of cover you have is enough to 保護する all these extras.

Don't forget to check you still have enough cover if you build an expensive new 温室 or 温室.

盗品故買者s and hedges are not 普通は covered in 基準 保険 政策s for 嵐／襲撃する or flood 損失, but you may be able to 追加する cover for an extra 賞与金.

保護
保険 may 軟化する the blow if your garden is attacked by thieves or vandals.

Sergeant （頭が）ひょいと動く Porritt at the Dewsbury 分割 of the West Yorkshire Police says: 'In our 分割 alone we have seen an 普通の／平均（する） 100 garden 窃盗s a month since the beginning of the year.

'We need to make it as hard as possible for thieves to get into the garden and carry things away.'

But there are steps you can take to make their life more difficult and 保護する your home and garden into the 取引.

Garden designer コマドリ Williams favours a 'fedge'. He explains: 'This is a chain-link 盗品故買者 with dense 工場／植物ing on both 味方するs to keep thieves out.

'If you use 厄介な 工場／植物s such as berberis, holly and hawthorn it will be even better.'

Other useful tips 含む:

? Place 激しい 負わせるs such as bricks and 激しく揺するs under the 国／地域 level of large マリファナs to make them harder to move.

? 工場／植物 prickly 工場／植物s such as pyracantha and roses under windows to make 接近 difficult.

? Use gravel for paths and 運動s. Not only will you be able to hear 侵入者s, but it will slow 負かす／撃墜する their escape.

? Lock away all garden 器具／備品 at night. Use blinds or curtains to hide your shed contents from 見解（をとる）.

? Take photographs of 価値のある garden ornaments, keep a 公式文書，認める of 器具／備品 serial numbers and 示す expensive items with your postcode. You'll stand a better chance of getting them 支援する if they are stolen.

? Cu stomise your lawnmower and 道具s by 絵 them with designs. It will make them more difficult to sell.

? 任命する／導入する 安全 lights and an alarm. Don't forget to do the same with your outbuildings.

? For 価値のある garden 器具／備品 and マリファナs, 任命する／導入する an infra-red beam from a specialist 安全 retailer. 保護する statues with a sensory alarm. These are wireless and will be 始める，決める off if moved.

? 特に 価値のある trees can be 安全な・保証するd using tree 錨，総合司会者s. Gardening Which? says these are 利用できる from Instant 錨，総合司会者s and Platipus 錨，総合司会者s.

Open days
If you open your garden for charity, make sure you tell your 保険 company in 前進する.

If your 保険会社 has to 延長する your cover, you may have to 支払う／賃金 an extra 賞与金.

With organisations such as the 国家の Gardens 計画／陰謀 (NGS), 保険 is usually 供給するd, but check the 詳細（に述べる）s.

You would be covered by the NGS public 義務／負債 保険 if a 訪問者 was 負傷させるd or became ill as a result of your 怠慢，過失 during a garden 開始, for instance.

But 損失 to, say, your garden furniture is not covered. Neither is 窃盗 of your 工場／植物s or 所有物／資産／財産.

The NGS recommends garden owners label and 盗品故買者 off 可能性のある hazards before 開始 their gardens.