Where do you stand when you have had tack stolen from the yard???

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_jetset_

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Both of my saddles are insured and kept in a lockable tack locker in the yard's tackroom. The tackroom has regular front door bolts, top and bottom, and contains 10 saddles in total.

There was an article in H&H a few weeks ago when a lady from lancashire wrote in to say they were not covered by their insurance because there were more than 5 saddles in the tack room. This is why I have spent the money and bought a tack locker which can be fastened to the floor... as one saddle is an SLK Ultima and the other an SLK.

The past few weeks, someone has left our tackroom door open... therefore where would we stand with our insurance if the door had not been locked and the saddles, bridles, rugs etc had been taken out?

Some people do not have their tack insured (synthetic saddles, leather saddles, bridles etc etc) so where would they stand if their tack was stolen and the door had not been locked???

Thanks,

Rebecca x
 
I would assume the insurance would be null and void. You'd need to check your policy with your individual insurance company to make sure.
 
if the door is unlocked then im afraid all insurance will be null and void whatever company you are with.......

i keep all my tack at home and its insured under the household insurance.
 
[ QUOTE ]

The past few weeks, someone has left our tackroom door open... therefore where would we stand with our insurance if the door had not been locked and the saddles, bridles, rugs etc had been taken out?

Some people do not have their tack insured (synthetic saddles, leather saddles, bridles etc etc) so where would they stand if their tack was stolen and the door had not been locked???

Thanks,


[/ QUOTE ]

You would be buggered, quite frankly. Insurance will not pay out for tack stolen from an area that was not secured by the security device that was agreed and stated on the insurance certificate.

Neglecting to lock the door is going to make someone very unpopular, very quickly.
crazy.gif
 
My livery yard insurance policy in England stated that the tack room door had to be locked and dead-bolted otherwise the insurance became null and void for everyone's tack. I always checked it after everyone had gone home.....because I also had people forgetting to lock it after them.
 
Check your insurance as most want proof it was in a locked building and even specify the type of lock!!! For that reason mine is at home!
 
Depends on the condition of your insurance policy. However if the insurers discovered that the door was left open then they would probably not pay out.

A bit of advice - a tack safe needs to be installed in such a way that it is bolted down in to a concrete floor. A wooden floor is not strong enough to prevent it being wedged away from the floor.

Doors to the tack room should be 6 lever mortice dead locks one at the top and one at the bottom. All windows should be caged in.

You would be suprised how much stolen tack is recovered but because it was not tack marked can not be re-united with it's owner. So always have your tack tack marked and microchipped.
 
I agree the insurance will not be valid if it is found that the door was not locked according to the requirements of the insurance.

As well as doors and windows, people often forget about the roof, which is often a single skin and easily broken through. If your roof is like this you should give serious thought to an alarm or lining the roof
 
From a legal perspective I can tell you your saddles would not be insured if the door was left open or even when closed but not locked, they are insured when you are using them and when the building has been made secure. It is possible to argue that the locker you purchased constituted a seperate containment area and if this was locked then you might at a push be able to claim, but it would be likely that if the theives broke into the locker too - then it would deem not secure enough to be a seperate containment area. Sorry
 
I always keep my tack at home where its covered by the house insurance (and my infra red home security system!). I'd never dare to keep anything valuable on a yard these days - sign of the times unforunately and insurance companies will always wriggle out of paying if they can.
 
Actually you need to check that your tack is covered on your insurance. I have a yard and while I provide a tack room the liveries tack is not covered on my yard insurance. We cannot cover for liveries tack with NFU. I have told each of my liveries to make sure that they have insurance cover suitable for keeping their tack at the yard.
 
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