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Grangur

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Posts posted by Grangur

    Music insurance

    in Bass Guitars

    Posted

    And what will they have to pay out when your brakes fail and you drive into a 5 series BMW, or hit a mother on a crossing?

    Let me assure you, paying you your £750 will be the last of their worries.

    I'm out of here. Thanks for the chat

    Music insurance

    in Bass Guitars

    Posted

    True, but you may be claiming the full value long before they've had that from you in premiums.

    If you weren't hoping to profit out of it by making a claim for a bigger cost than the actual loss, why would you want to pay a bigger premium than you need to?

    Don't forget insurance fraud is NOT victimless. It costs jobs when the company goes down and that would happen if fraud becomes rife.

    When you by a bass on BC, there's nothing to stop you getting a receipt from the seller. Then you would have paperwork to back up the proof of ownership.

    Music insurance

    in Bass Guitars

    Posted

    Don't forget the risk insurers have of being de-frauded.

    You could tell them you have a Wal. You don't own one, but you've got a pic of you holding one. You agree a value of £2K.
    You take out a policy with £2k as an agreed value and pay your £15 a month (theoretical sum, i don't know the price).

    3 months later you call the insurance company and claim for a theft of the Wal that never existed. And you take their £2k and buy a nice Wal, or whatever. This is why they want paperwork and evidence.

    House/car insurance is different at least there's loads of paperwork to verify the car/house existed and you DID own it.

    Music insurance

    in Bass Guitars

    Posted

    My bro in law is a cello teacher. He lends cellos to kids who are his pupils. Understandably they are all insured and he claims frequently.

    On one occasion a cello was in a car boot, just to put it down for a while while organising the kids. Then in a moment of lack of thought the parent slammed the boot closed, decapitating the cello. The neck was a total mess. The insurers paid out with no fuss and bother. The cello repair was done, and paid by insurance.

    So they're not all rogues. You just need a good company. In my experience I recon you want a large company who charge fair rates and have loads of customers. This way when/if you claim, your £500 claim is peanuts to them and they don't make a big deal over it.

    Music insurance

    in Bass Guitars

    Posted

    [quote name='Kev' timestamp='1370798375' post='2105688']
    Just looked at the Allianz policy, looks okay but i prefer the wording of the Musicguard policy. I also think £15 MTA charge is very excessive (musicguard only charge for any additional premium). I was perfectly happy with the Musicguard policy, i just want to make sure they don't cause problems for items not owned from new in the event of a claim.
    [/quote] Yes, you like the Musicguard policy, except they're already giving you concerns that they wont pay out. The whole test of insurance is when you claim and how long they take to pay out if they pay at all.

    Also, don't forget bass players talk about a 1970s Bass as "vintage". In many folk's terms this is "contemporary". A cello is only considered vintage when it's 100 years old or there abouts. So you could be ok on your 1913 Fender.. If only.

    Music insurance

    in Bass Guitars

    Posted

    [quote name='mentalextra' timestamp='1370795904' post='2105629']
    So, when you originally took the policy out did you own guitars that you had purchased from new?
    [/quote]

    You could be disappointed if you took out a "New for old" policy and claimed for a modest 1970's USA Fender and got paid out for a modest New replacement.

    Allianz are the insurers that most of the classical orchestras use for their stuff, or so I'm informed.

    Music insurance

    in Bass Guitars

    Posted

    [quote name='Grangur' timestamp='1369671549' post='2091417']
    I just got a quote from Allianz. £1000 of cover inc, £800 for the bass and £200 for the amp, including cover when in and unattended vehicle. This came to under £2.70/month - £29/year.

    [url="http://www.allianzmusicalinsurance.co.uk/find-the-right-policy/power-play.asp"]http://www.allianzmu.../power-play.asp[/url]

    You can also get liability insurance too for, what seems to me to be good rates. I'd be interested to hear what others think of them?
    [/quote]
    Their policy looks good to me, and no I don't work for them.

    investment Bass purchase

    in Bass Guitars

    Posted

    A classical guitarist friend surprised me the other day when he told me a good classical guitar has a life of about 10 years. Ok, he's a serious player and what he calls "finished" my be down to his hi-fi ears. But it does make me wonder; will bass guitars have a shelf life too?

    The electric bass is comparatively a new instrument invention. Will we find in another 20 years that technology has moved on and the "vintage sound" and all other tones down the line, will be so easily replicated on the new instruments of the day that aging instruments are of no interest to anyone other than the odd museum?

    Upgrading a P-bass; but how much is it worth spending?

    in Repairs and Technical

    Posted

    [quote name='Bigjas' timestamp='1370768217' post='2105197']
    I am doing the same as the OP, I have bought a beaten up squier for £80 and once I have finished with it, the only original parts that will remain are the body and neck. I am currently re-painting it, dressing the frets and swapping out all the pots, pickups etc. the resale value won't be anywhere near what I spend on the parts but I end up with a custom bass that I want, rather than an off the shelf one. I would say carry on spending and create the bass that YOU want, it's a fun and rewarding thing to do.

    Jas
    [/quote]
    It's interesting you say about changing the pots etc. Surely a 500K ohm pot is a 500K ohm pot? OK I know a cheapie will be +/- 5% on its accuracy, so it may be something like 525k or 475k, but does that matter?

    I can understand more that the capacitor may matter more, because of leakage currents, but the pots?

    Upgrading a P-bass; but how much is it worth spending?

    in Repairs and Technical

    Posted · Edited by Grangur

    Hi All,

    I'm asking here for a sanity check. I've recently had GAS for a P-bass. So I got carried away with the excitement on ebay and I've "won" a Squier for £82.

    It arrived and it's a "YN6". So it's made in China in 1996. [size=4]Well it has a ding in the paint, but after a set-up and re-string it sounds ok.... or does it?[/size]
    [size=4]No worries I'll upgrade the pups... a search on BC later and I've got a set of Bartolinis on the way for £60ish. Nice one.[/size]

    Next day: Dammit, one of the tuning heads rattles when you dig in on the A string. I find the tuning head for the G string has a loose plate on the shaft that resonates down the neck to the body. A search later and I can get a new set of Schaller heads delivered from Thomann for £57. (Single one would be £26.30 delivered, but not match the existing)

    Hold on... isn't this getting to be the same price as I could get a Fender?

    What would you do?
    This bass would, so far have cost me £199 and [size=4]I [/size][i]could [/i][size=4]have a great sounding bass at the end. But would this be crazy to do this on a Squier?[/size]
    [size=4]I could, after all, sell this and buy another Squier without the head problem, or maybe buy a better bass to start with?[/size]

    [size=4]Have you had similar situations?[/size]

    [size=4]Rich[/size]

    Boys and their toys?

    in General Discussion

    Posted

    [quote name='TheGreek' timestamp='1370541016' post='2102463']
    ...my Dad's better'n your Dad...he's a Fireman and a Policeman and he could beat your Dad up....
    [/quote]
    Yeah but your Dad would have to dig my Dad up first! So mneeerrr!

    Boys and their toys?

    in General Discussion

    Posted

    [quote name='thisnameistaken' timestamp='1370534644' post='2102365']
    I call it 'Proud Owner Syndrome' (appropriately abbreviates to 'POS') wherein a consumer, having parted with a lot of money, is satisfied beyond all logic that what they have bought is much better than anything else they could have bought.
    [/quote] +1
    Have you ever watched a review of a bass on Youtube and heard the player say "It's ok, but not for me. I'm getting shot of it."

    bass and it's effects on marriages

    in General Discussion

    Posted

    [quote name='skej21' timestamp='1370532249' post='2102319']
    Based on the info in this thread, there's a window of about 25 years for this to kick in or she's gone! I'm only two years in and pretty much GAS free! Mrs Skej made me quit my other path (graphic design) and pursue music professionally, offering a huge amount of support so hopefully she will be sticking around for a while yet :)
    [/quote] I can only answer for myself, but if my marriage of 24 yrs had lasted the full distance I probably wouldn't be here on BC and I would probably still own the cr@ppy bass I kept in the loft for 24 years. Not touching it for the whole duration.... yep that's compromise I think.

    bass and it's effects on marriages

    in General Discussion

    Posted

    [quote name='borisbrain' timestamp='1370444829' post='2100981']
    Yup, all of this has a familiar ring. Recently split up after 10 years with the other half. She would tolerate the gigs but there was clearly resentment. And when there was nothing left in common at all, we ended up going our separate ways. Singledom in yer mid 40s ain't fun...

    BB
    [/quote]
    I can recommend internet dating. It does work. You need to fish though a few "frogs", but there are nice ladies out there. Trust me, I was 50 when I became single again. You can also look out for people's interests, and declare your interest in playing music. If they don't like it, avoid them. There IS someone out there who'll love you for it.

    That's that way I met my Mrs G who's with me now.

    Rich

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