Model Railway Insurance

Specialist Model Railway Collection Insurance from £67.20 per annum*

*This premium is for sums insured up to £12,500.  Full policy terms and conditions available at

Model railway collections have often been built up over decades and develop into a substantial financial investment, and as such are worth protecting with a specialist insurance provider.

Magnet Insurance managing director Tony Bound says that accidental damage to locomotives/rolling stock and theft, particularly from outbuildings where model railways are often housed and operated, is where most claims arise.

“In addition, many layouts are kept, stored and operated from outbuildings. Outbuildings are often constructed of timber or less robust construction materials, which are more susceptible to water ingress and storm damage,” says Tony.

Theft is more prevalent, as these outbuildings are often fitted with inadequate physical security and are away from the main home, making it less likely burglars will be disturbed. Thieves are looking for soft targets, such as garden sheds and outbuildings, where physical security is inferior to that fitted to the main house and often unprotected by a burglar alarm.

However, not everyone’s model railway stays in the shed. There are a lot that go travelling around the country, which increases the risk of loss or damage.

Our Model Railway collection policy is for enthusiasts who own a model or garden railway. It provides cover at home, in an outbuilding and anywhere in the UK, including transit and while at an exhibition.

Call us today for a quote: 01636 858249 or visit

Magnet Insurance Services Limited is registered in England & Wales No. 6664153.  Registered office: Newark Beacon, Cafferata Way, Newark, NG24 2TN. Authorised and regulated by the Financial Conduct Authority.

Personal Collection Insurance

This policy is designed for individuals who own and/or exhibit their own model railway, including garden railways.

Standard household contents insurance policies generally offer little or no cover for model railways, as they are often kept and operated from garages, outbuilding or gardens. Some policies also have restricted cover for sets of items or collections. In contrast, our Personal Collection policy is designed specifically for model and garden railway enthusiasts and provides All Risks cover, which includes accidental damage and loss anywhere in the UK, including while in transit and at exhibitions.

Click here to get a quote for Personal Collection Insurance.

Exhibition Insurance

This policy is designed exclusively for model railway clubs, societies or individuals who either organise their own model railway exhibition or attend other model railway exhibitions as exhibitors. The policy provides cover for a range of risks including: public liability, event contents (including exhibitors’ contents), in transit to and from and while at the exhibition. In addition, the policy covers loss of money, event cancellation costs, employers’ liability (to cover injury to your stewards and volunteers) and personal accident.

Click here to get a quote for Exhibition Insurance.

Clubroom Insurance

This policy is designed exclusively to cover model railway clubs and societies. The policy provides cover for public liability, (including member to member liability) club or society contents and/or Stock, with an option to include cover for members’ models and personal accident, and a further option to add buildings insurance for the clubroom.

Please contact us for Clubroom insurance

Telephone: 01636 858249

Normal office hours: 9am-6pm Monday to Friday, 9am-1pm Saturday

We are closed on bank holidays and from 1pm on Christmas Eve




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