Toy train derailment insurance?

[kjwald]

Rich,

 

  I insure a number of train collections and have had a couple of claims where a train derailed and fell off the layout and were covered by the policy.  Usually there is no deductible and the premium is approximately $.750 per thousand dollars of coverage.  

Still teaching your kids the right way to treat the trains is best.  I have the shell of a Lionel 249 locomotive on display just to put a bit of a dig into my son (now 31) of a time when he was 7 and he decided to "see if it could fly"!

 

Kevin

[richhotrain]

According to the insurance industry, derailments on model railroads are considered uninsurable.

Rich

[scrambler81]

I don't know much about insurance, but if your kids are around your collections enough, they know what they can and can't touch. By the time Jarrett was 2, he had no trouble putting an HO locomotive and a bunch of cars on the track and getting them going. He also knew which trains he was allowed to handle, and which ones were my "special" trains that he needed to leave alone. Same with my diecast collection. If it was on a shelf, he knew he was not supposed to play with it. Anything on a table or floor was fair game. I've never felt the need to lock up anything, and I've never lost anything of value to kid damage.

[Boyd]

My original post was theoretical and did not actually happen. No kids, no 2nd floor layout, no prewar Hudson, no real accident happened. I DO have two cats and one of them is very independant. She sometimes will purposely do something to get my attention and even while I am trying to sleep. My bedroom is really much more of a train layout with a bed fit into part of it. The last time she jumped up on the 2nd level of my layout that is next to my bed I picked her up and put her back on the floor. She has not been up there in several months.

[Penny Trains]

Remind him of it when he grows up and becomes a doctor or a lawyer or has some other high paying profession and can afford to buy you 3 replacements.

Becky

[DMUinCT]

Boyd

Say if your son got your pre-war scale Hudson out of a locked display, put it on the layout, cranked up the throttle and turned on the transformer and then the engine flew across the layout through a 2nd floor window and was destroyed,,,,,, would you have a claim with your insurer of your toy trains?

Aren't you glade it wasn't a Locked Gun Cabinet the "son" got into !!!

It starts with care and training of your family and guests.   If it were accidentally dropped, that would be covered, deliberate misuse ???, that's another case.

[kjwald]

Actually most of the Collectors train policies would cover the train in that situration.  American Collectors and Collectibles Insurance Services are 2 that I know cover breakage from detrailment and other breakage.

Now any damage to the house would be under your homeowners policy.

 

Kevin

[rtraincollector]

okay guys first I agree with each of you. Butttt you have to remember things are handled big time different than when we were kids

Now would a insurance company pay for it I would say depends on the company ( most I would say is no ) Now there is one avertising in ctt which is collectables insurance services But that would need to be checked with even them.

Also what is your deductable. Is it more than your Train if so theres your answer.

By the way sounds like your kid did like I did as a kid I was like 12 years old and we were working on a layout down in the rec room well we had a switch by a set of windows that we didn't have the layout finished there and it was thrown for the direction of the window well as it would be I knew 2 speeds full and off well I sent an engine thru the window as my father was getting out of the car and heading into the house ( I didn't sit for about 2 hours after that.) My engine was 671 6-8-6 Mine was pure accident thou as didn't know switch was in the open condition

[KRM]

Take your son out to the woodshed and when your done ask him if he has insurance.

[jeffrey-wimberly]

overlandflyer

the next suggestion would be to never put anything in a locked case and tell a kid not to ever touch it.

I've found through hard experience that telling them NOT to touch something can be a surefire recipe for disaster.

[overlandflyer]

i would think that the best insurance against that scenario would be to teach your son (or daughter) a respect for works of art or items of value.  the next suggestion would be to never put anything in a locked case and tell a kid not to ever touch it.

good luck...gary

[Boyd]

Say if your son got your pre-war scale Hudson out of a locked display, put it on the layout, cranked up the throttle and turned on the transformer and then the engine flew across the layout through a 2nd floor window and was destroyed,,,,,, would you have a claim with your insurer of your toy trains?