Could not find anything in the small print for tower insurance. Have you come across any disclaimers about void insurance if you have class 1 DG (powder) stored in your house?
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Could not find anything in the small print for tower insurance. Have you come across any disclaimers about void insurance if you have class 1 DG (powder) stored in your house?
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I rang mine as I couldn't find anything either. They said no more than 15kg in the house. But I didnt ask about any out buildings as I didn't have any.
That lines up with the legislation. Where more than 15kg of 1. 3 requires a controlled zone.
And more than 100kg requires a test certificate at a hazardous substance location.
Sweet, I’ve got like 11 more kilos to go!
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I would make a call and have that confirmed!
If you had enough primers for 15kg of powder, they would be worth more than your house!
Copied from Arms Code 2013 which NZ Police apparently still use on their website.
“It is illegal to store any propellant powders in a house. It must be stored in a separate building, such as a locked garden shed. This needs to be cool and dry. Only the smallest quantities of propellant should be stored. Those wishing to load or reload ammunition for sale or supply to others should check any constraints or licensing provisions with ERMA (Environmental Risk Management Authority).”
Yeah, cannot store class 1 product in a dwelling house effectively. There's a catch all in most insurance agreements about not covering claims where unlawful activities have occurred so pays to double check that one and get it clarified...
And seeing most homes built now have attached garages and no space for outbuildings, that may need to be addressed...Quote:
Originally Posted by woods223
You should be careful to avoid circumstances that may give an insurance company a reason to decline your claim.
Powder should not be stored in a dwelling.
A secure garden shed can store your powder for reloading.
I asked my local volunteer fire brigade chief if I should have a dangerous goods sign on my main storage building.
He said no, not required for the quantity involved.
Fortunately for me I have several non-attached garages and other outbuildings for storage.
I was an insurance assessor on major claims for 18 years until about a year ago and never heard of a declinature for such or saw a clause in a policy if you were sensible.
Sure if you decided to do some reloading by candle light they might get difficult but otherwise really not an issue.
I have been involved with settling many claims where people just did dumb things but they still accepted them.
If its limited quantities its not an issue. Limited quantities in the DG world means less than 5kg.
Slight problem with that is LQDG rules don't apply to Class 1 materials. They are a special case under DG rules, similar to radioactive materials.
so.....are firearms inside a gunsafe,in a submerged house that has been red stickered still considered "secured".....
Probably stupid question but are many of the fireproof safes also waterproof or hermetically sealed? Not talking about like a 5 gun spika safe but the big boy ones.Quote:
Originally Posted by Micky Duck
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I don't think they are as most have holes for bolts etc...
Don't have a fire. Flooding not an issue.
You should make a thread just about some of your crazyest stories would be hella entertainingQuote:
Originally Posted by Fssprecision
Apparently the max you can hold under a firearms licence without a specific controlled substances licence and approved handlers and facility approval is less than 15Kg of propellant powder - no stocking up for the 50BMG boys!
A lot of them have door seals that only expand when exposed to heat so probably not water tight. That and the bolt holes in the floor.Quote:
Originally Posted by MCCPRO
It is important to only store powder in a plywood or similar box that does not have a great deal of strength. In the unlikely event of a fire then the containers just burn with doing anything life-threatening. If you lock powder in a steel safe or other strong container then in a fire it will build up pressure when it ignites and blow apart with considerable force. A tight, strong seal, the bigger the bang! I store mine in a cupboard in the garage in a plastic fish crate. It the event of fire it can be quickly moved to a safer place.
The reason I asked was, there should/could be a market waterproof/fireproof safes. Rhe Bolts to the floor are the easiest. But if my house theoretically got flooded, my guns are buy far my higher ticket items apart from watches.
I don't want to be paid out buy Insurance for some rifles as I wouldn't be able to get them again.
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Saving your guns promptly in a flood is vital. In 1979 mate of mine in Massachusetts (he worked for S&W) had his monthly day at the range cut short by a deluge of biblical proportions and promptly headed home but came to a Police roadblock where the road was full of water as it dipped under a rail bridge. The cop looked at the big Chevy Blazer and said "You'll get through OK in that." When the roof of the Blazer disappeared under the water it finally stopped and it was more than a minute later before my mate appeared with an armload of pistols and ammo that he dropped on the bonnet of the cop car, then went back under for the rest! The cop delivered him home! The guns all cleaned up like new because of his quick action.Quote:
Originally Posted by MCCPRO