Home Insurance and it's implications on families/parents and individuals who keep and use domestic retail garden and display BS7114 fireworks

[TVFan]

I rent a flat from a landlord and have done since April2001 up to now and every year for Nov 5th and New Year and annually for my birthday I have regularly kept (safely and in a cool dry place) small quantities of fireworks and they have always been kept in a lockable metal cupboard to which only I have the key to and I keep a water fire extinguisher nearby just in case of accidents-HOWEVER little did I know that recently the home insurance policy ran out and he only just realised that in it is a clause that he is NOT allowed to keep fireworks for private use on the premises and so (EVEN STORED SAFELY IN A METAL CUPBOARD AWAY FROM HEAT/FLAMES/SPARKS ETC) I cannot do this anymore. Is this a recent conspiracy (or one that has been going for years) on the part of the insurance industry to unfairly target home owners with home insurance polices and discourage them from storing and having fireworks for ANY occasion at home? If this is rapidly becoming the case by all insurers, then it's going to spell curtains for millions of families and parents and individuals up and down the UK who keep boxes of fireworks packets of rockets and sparklers and large individual 5m garden and 25m display fireworks for nov5th/new year's eve/diwali and chinese new year because in my eyes it's basically the start of something bigger to try and raise a groundswell opinion to completely outlaw the private use and retail sales of fireworks and if the sales and use of safer BS7114 retail fireworks is banned I fear illegal sales trade and use of dangerous lethal deadly dubious quality fireworks of unknown origin will take over resulting in more fatalities. Could somebody in the insurance game or an insurer on here tell me how many insurance companies frown on people keeping and storing fireworks for private use and ban this in their policies?

[meglet]

Personally I think it should be made illegal to have home firework displays. They are such a nuisance. Around the 5th Nov I get two weeks of it. People are so inconsiderate.

[TVFan]

Sorry don't agree with you;I personally think the sale and use of LOW NOISE garden and display fireworks should only be allowed BY LAW outside Nov5th/Diwali/New Year and Chinese New Year. This would be an acceptable compromise;a ban will only result in underground trade sales and use of dangerous lethal unclassified unsafe import fireworks via the blackmarket taking over from legal sales of safe BS7114 compliant retail garden and display fireworks.

[TVFan]

Also my idea SHOULD BE APPLAUDED BECAUSE;
(a) by keeping the noisier fireworks to the Govt's agreed periods Nov5th/New Year's Eve/Diwali and Chinese New Year(we are a multicultural society and we should allow fireworks for those three festivals as well as Nov5th)
and (b) by only allowing the sale and use of lower noise garden and display fireworks outside those periods(you CAN buy lower noise fireworks without the excessive noise from some manufacturers) with strict enforcement and jail for those who flout it, it makes a more acceptable compromise I feel than if a a sales/use ban was in law with the difficulties of enforcement through sales and use of dangerous lethal unclassified blackmarket fireworks which would take from legal sales of BS7114 compliant retail garden and display fireworks.

[steveoo]

hiya

i work for a home insurance company a big 1 and deal with 5 different products and there is nothing like this in our policys

who is the insurer??