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Working in insurance, I can tell you that it would very much stand up to challenge. The same way that if you buy a home insurance policy in a flood plain and your insurers exclude flood damage, there is zero chance if you get flooded you will be able to make your insurer pay you. Exclusions are exclusions, and it is not reasonable to expect a salesperson to read out every single exclusion to check it suits your needs. These are what are called non-advised insurance sales, where the customer is provided with the information to make a decision. The onus is on you to check if it suitable and tick the box. Its why Insurers have to offer cooling off periods, to allow you time to do this, though this obviously doesn't apply with cover like this. There is a separate, highly regulated type of insurance sale called Advised, where the onus is on the broker to take a risk presentation and find the most suitable policy, but this is mostly commercial and certainly wouldn't apply here. Again, if you have evidence that you asked the specific question of a salesperson and they told you that the exclusion would not apply for whatever reason they could give, its a different matter and misselling may raise its head, but if I read that exclusion I'd want something in writing off them explaining why it doesn't apply, as otherwise I'd be buying something I can read is not suitable.

Yeah, I think that's way beyond instructing a lawyer, or at the very least small claims!

When I started out playing bass in 1969 I had a Burns Sonic Bass, I used it until 1977 where due to a number of reasons the band broke up after the death of the rhythm guitarist. The neck took a permanent bend and as there was no adjustment it was unplayable, miss that little 30" bass Now I have just purchased a Hohner JJ bass, at 34" it is really stretching my tiny hands! While this is not my one, it was identical to this, I got it for £16 the black Hohner was about 10 times that price.

I did all the circuit plug swaps when I had a 5 string, but there's only so much you can do with those pickups. I put Aguilar DCB pickups in mine in the end. It was a close choice between those and Nords but the 5 string needs 6 string pickups due to the slant frets. It's a lot easier to get different pickups for parallel frets - and now EMG even do some Bart sized options.

So you'd rather go and see volcanos, waterfalls, geysers, drink hyper expensive alcohol, lots of black ash rather than spending a day with a bunch of bassists in a village hall in Yorkshire? Just checking....

Yes, but getting on for 5 years is terrible, especially as the bass was paid for up front.

Interesting. Is that partly because Country is a relatively uncomplicated genre in terms of song structure and chord progression, and therefore a relatively easy one to get under AI's belt?

Sorry but I dont think this would stand up to challenge, if you tell the employee its a bass worth £1,000 they either accept the risk on behalf of the insurer and insure or refuse, a firm cannot knowingly sell insurance which is not applicable. This is what happened with PPI. I would be interested to see how this would stand up to the FCA or the relevant ombudsman. I think its more likely that the firm rely on not asking and agreeing and instead referring people to the T&C's. Jonny

No - the terms specifically exclude enhanced compensation for musical instruments. When you buy it you tick a box saying that you fully accept the terms as presented - including confirming you agree to exclusions and compensatory limits. They did give the information and they get the customer to tick the "I read it all and agree" box before paying. It's just that customers never bother to read it. It's not PF's fault that the customer decided to not read it, especially as the act of ticking the box saying "I've read it" when they haven't is clearly a lie. I never use them for instruments.

Yes, it’s up to the buyer to read their small print, which specifically states no musical instruments. They’ll take the money and then when they lose it say it was in the T&Cs, this is a reading issue.

Unfortunately its like any other insurance policy, if there's an exclusion excluding something it doesn't matter if you've paid for it or not, that's on you to check the coverage is suitable. If you specifically ask the question and the Parcelforce employee or whoever tells you it would be covered, whole different story. Otherwise, the website links to you Terms and Conditions before you buy.

I have had to wait but I have only had positive experiences with both brothers & Toby. I think maybe because they have been so overwhelmed with phone calls and emails & have probably been inundated with so many orders and then the after effects of that they have dealt with things the best way they can whilst still getting basses out the door. They probably have ways of dealing with customers to keep the peace whilst getting on with building the massive backlog... We all knew the situation when ordering a bass from them, they would have warned us, which they did & I was posting about it here. I have zero issues with the time I've waited and the customer service, it's all expected & in my case has been really good. Whenever I have contacted them and they gave me a response it's been really polite & helpful. I'm really looking forward to the basses arriving & in fact it's come at a great time when I have got past the honeymoon period with my first Jaydee!

bloody lovely bass too, hope it finds its way to the rightful owner. Jonny

If you are declaring whats in the package and they take the money, I would think its insured. My understanding would be if you said its a bass guitar worth £1,000 and they said its £20 for insurance for that, its insured, regardless of terms and conditions, as you have entered into a contract and exchanged money based on the information given. Jonny

I have the NUX Mighty plug (original) and it comes with 3 bass amps and 8 cabinets, the new version accepts 3rd party cabs. It comes with effects that work very well with bass, Bluetooth streaming, drum patterns, can be used as recording interface and you can edit the patches using your phone. All for £57 (on Amazon and the Mighty Pro is £77). I still have a PX4D that I used to use and I think still works (haven't used it in ages).

I used these a couple of years ago and they were excellent. They needed a template to work from (i was after a white version of a black one i had), but don't know if that's normal. All in cost was £51. You'll obviously need to check they can do what you want, but I can definitely recommend them. https://tinytone.co.uk/

Ah - what I am saying, is if you dont prompt a genre, theres a considerable chance it will come out as country... especially if the lyrics are US nostalgic.