dicko Posted March 14, 2013 Share Posted March 14, 2013 G'day all, Do you insure your cigars? Is it worth it? Any recommendations? Personally, I have about $3000 or so (replacement value) of cigars in a small esky. Would have thought a fire or theft would be biggest risk factors. Thanks Link to comment Share on other sites More sharing options...
Dimmers Posted March 14, 2013 Share Posted March 14, 2013 Yeah a valueable part of your home contents so should be insured if you can. Will probably already be included in your home policy (though may be capped at some amount), so worth getting out the terms for a read and then contacting your insurer for a chat. Worst case may be a (hopefully small) addition to your existing premium. Link to comment Share on other sites More sharing options...
Munts Posted March 14, 2013 Share Posted March 14, 2013 Would have thought a fire would be biggest risk factors. Link to comment Share on other sites More sharing options...
baragh Posted March 14, 2013 Share Posted March 14, 2013 lol multiple small fires I believe the saying goes... Link to comment Share on other sites More sharing options...
dicko Posted March 14, 2013 Author Share Posted March 14, 2013 Haha I wasn't suggesting anything :-p However, that would smell nice I guess! Link to comment Share on other sites More sharing options...
bolivr Posted March 14, 2013 Share Posted March 14, 2013 Dicko, mine are itemised on the home contents policy as 'cigar collection'. Same as you, about $3k value. The insurance company was not really fussed about it; if I try to claim I guess it may be tricky to justify the value with receipts and so I take some photos when I remember to. It gives them an excuse to increase the premium I suppose... Link to comment Share on other sites More sharing options...
westg Posted March 14, 2013 Share Posted March 14, 2013 Look at insuring them under a collection policy Link to comment Share on other sites More sharing options...
westg Posted March 14, 2013 Share Posted March 14, 2013 Just as long as it isn't the same insurance company you have life insurance in and have checked the non- smoker option... That,s why you look at a collection policy.. Link to comment Share on other sites More sharing options...
bolivr Posted March 14, 2013 Share Posted March 14, 2013 Just as long as it isn't the same insurance company you have life insurance in and have checked the non- smoker option... Ergh, yeah I bit the bullet and signed up as a smoker on the life insurance, it's a rip off because they lump us in with the two pack a day nicotine addicts Link to comment Share on other sites More sharing options...
OZCUBAN Posted March 14, 2013 Share Posted March 14, 2013 I asked about that recently their definition of a non smoker was not having a cigarette for 12 months Nothing was said about Cigars Link to comment Share on other sites More sharing options...
stargazer14 Posted March 14, 2013 Share Posted March 14, 2013 Keep them in a fireproof box! Link to comment Share on other sites More sharing options...
Drguano Posted March 14, 2013 Share Posted March 14, 2013 You have probably heard the one about a lawyer who smoked his cigars and made an insurance claim that they were destroyed by 'fire'. The insurance company then had him brought up on charges of arson. Link to comment Share on other sites More sharing options...
Ken Gargett Posted March 15, 2013 Share Posted March 15, 2013 had several very good boxes destroyed by a dodgy humidor. had an 'accidental damage' policy which covered that but had to fight the scum at CGU for 12 months. ended up in front of the ombudsman and won 100%. more fun than you can imagine. Link to comment Share on other sites More sharing options...
CanuckSARTech Posted March 17, 2013 Share Posted March 17, 2013 Ergh, yeah I bit the bullet and signed up as a smoker on the life insurance, it's a rip off because they lump us in with the two pack a day nicotine addicts I asked about that recently their definition of a non smoker was not having a cigarette for 12 months Nothing was said about Cigars Practice is that you smoke anything tobacco you are classified a smoker. I filled in 3 cigars/month on a couple applications and was quoted smokers premium on every one... Wife has standing order to immediately trash all cigars if I die... I guess it depends on which country you're in, and/or which company. Had this done years ago. Admitted to "up to 3 to 5 cigars a week", approximately, I believe it was. The insurance company ended up still having me as a non-smoker. They based / base their results on how much of a nicotine level is in your blood once the blood-work comes back from the lab. Link to comment Share on other sites More sharing options...
Jnaube Posted March 17, 2013 Share Posted March 17, 2013 G'day all, Do you insure your cigars? Is it worth it? Any recommendations? Personally, I have about $3000 or so (replacement value) of cigars in a small esky. Would have thought a fire or theft would be biggest risk factors. Thanks On a lighter note, in Canada, for 3000 dollars, you would only have enoug money to ensure a box of Esplendidos. Ahh, canadian taxes. Gotta love em, NOT. 1 Link to comment Share on other sites More sharing options...
AndrewNR Posted March 17, 2013 Share Posted March 17, 2013 On a lighter note, in Canada, for 3000 dollars, you would only have enoug money to ensure a box of Esplendidos. Ahh, canadian taxes. Gotta love em, NOT. For that price in Australia we'd be lucky if the box had any cigars in it 1 Link to comment Share on other sites More sharing options...
Jnaube Posted March 17, 2013 Share Posted March 17, 2013 For that price in Australia we'd be lucky if the box had any cigars in it Well, at least you would have a box! Link to comment Share on other sites More sharing options...
AndrewNR Posted March 17, 2013 Share Posted March 17, 2013 Haven't seen an esplendido's box, But if they're anything like the Behike or some other premium cigar boxes I'm sure they're almost worth it Link to comment Share on other sites More sharing options...
polarbear Posted March 17, 2013 Share Posted March 17, 2013 Well, at least you would have a box! yeah, but it would have stickers of rotting gums and dodgy teeth plastered all over it 1 Link to comment Share on other sites More sharing options...
baragh Posted March 17, 2013 Share Posted March 17, 2013 Well, at least you would have a box! lol actually with plain packaging, now we have an olive green packet? Link to comment Share on other sites More sharing options...
vitruvius Posted April 10, 2013 Share Posted April 10, 2013 I guess it depends on which country you're in, and/or which company. Had this done years ago. Admitted to "up to 3 to 5 cigars a week", approximately, I believe it was. The insurance company ended up still having me as a non-smoker. They based / base their results on how much of a nicotine level is in your blood once the blood-work comes back from the lab. I just had this discussion last week with an insurance broker. I agreed to file as a smoker even if I declared smoking 2-3 cigars a week max. Figured it was not worth it being accused of fraud if something happens. He called me back last Thursday to mention that the status was ideed based on the amount of nicotine that will be found in the blood / urine test, so I might end up being considered a non smoker after all - which I was until last August when I discovered CCs Link to comment Share on other sites More sharing options...
SurpriseMVP Posted April 11, 2013 Share Posted April 11, 2013 I just had this discussion last week with an insurance broker. I agreed to file as a smoker even if I declared smoking 2-3 cigars a week max. Figured it was not worth it being accused of fraud if something happens. He called me back last Thursday to mention that the status was ideed based on the amount of nicotine that will be found in the blood / urine test, so I might end up being considered a non smoker after all - which I was until last August when I discovered CCs Don't smoke 5 days prior to your exam. By you declaring you smoke cigars if no nicotine shows they can only deny you a preferred rating and rate you as a standard non smoking human being. Link to comment Share on other sites More sharing options...
SurpriseMVP Posted April 11, 2013 Share Posted April 11, 2013 i despise insurance companies. Sorry as it sounds that you have had a negative experience. I sell sleep. I can cover just about anything that worries you and the well being of your family. You need a new agent Link to comment Share on other sites More sharing options...
polarbear Posted June 9, 2014 Share Posted June 9, 2014 Having bought my first home I was wandering around it the other day and realised the only thing I have of real monitory value (besides the house itself) is my cigar collection. The replacement value of it would easily reach into the $10,000 mark and that's without taking into account some of the older ELs, discontinued stock and REs/Jars. Can anyone recommend an insurer who would be prepared to cover my collection in Australia? If someone broke in and stole/destroyed my LGC jar or RA898s I would cry for days. Link to comment Share on other sites More sharing options...
Duxnutz Posted June 9, 2014 Share Posted June 9, 2014 Having bought my first home I was wandering around it the other day and realised the only thing I have of real monitory value (besides the house itself) is my cigar collection. The replacement value of it would easily reach into the $10,000 mark and that's without taking into account some of the older ELs, discontinued stock and REs/Jars. Can anyone recommend an insurer who would be prepared to cover my collection in Australia? If someone broke in and stole/destroyed my LGC jar or RA898s I would cry for days. Or broke in stole your cigars and put the tobacco in roll your own cigarettes. Walk by the pub and see someone splitting open a Cohiba sublimes on the sidewalk. Link to comment Share on other sites More sharing options...
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