insurance (Protecting your stock and layout)

[PLD]

Just out of interest i applied for a quote and put in a value of £1000.I thought this sufficient as my layout is still in it's infancy.Imagine my surprise when it came back with a quote of £63.00.I know it's still cheaper than forking out a £1000 but they must be living on a different planet to me.

£60 ish is I think the minimum. - You'll probably find that the premium won't change for a substantially larger book value...

[CarriageShed]

I don't even have a layout yet, but I've already spent £2,500 on locos, rolling stock, and books. I keep a detailed spreadsheet of all costs, so I can provide a fully exact figure. As I'm just about to move into my own house, I'm also wondering if I need to take the extra insurance route or just be specific when I'm itemising for a general buildings and contents policy.