At Gardien, we recently conducted our own survey of 55 major Insurance Companies, based upon the
information made available by them on the Internet and supplemented, where possible, by our own enquiries.
Specifically, we looked at the amount of cover available for incidents of Garden Theft under the major headings
of Items Stolen From Locked Outbuildings, Items Left In The Open and Plants / Trees etc.
In the majority of cases (i.e. 30 of the above Companies), cover for such incidents was either excluded
or – at best, minimal. Accordingly, we would stress the advice given above; first, check the value of your
garden possessions (using our Garden Inventory),then, check the detail of your Insurance Policy and - if
in doubt, consult your Broker/Insurance Company.
By contrast, there are some notable exceptions, particularly Companies that specialise in the High Net Worth
clientele, where it is possible to obtain cover between £5,000 - £10,000 in some / all of the above categories.
As for the cost involved for such cover, our advice is similar to that above – first, check the value of your
garden possessions (using our
Garden Inventory) - then, shop around!
Finally, there are companies/organisations offering very attractive cover under the heading of “Garden Insurance” policies.
However, to the best of our knowledge, these are invariably combined House/Garden Insurance policies.
In view of the ever increasing levels of garden crime, together with the immediate additional threat of “metal theft” we
would urge all gardeners, as a matter of urgency, to confirm the true value of their gardens/contents and to satisfy
themselves that they have adequate insurance cover NOW!!