I have decided to insure, separately from my house insurance, some of my gigging gear as I know my house insurance won't cover it on gigs. Only the posh stuff needs doing. For instance, when I'm on a Police gig, I could have upto £5K in just bass guitars. Forget the PA or bass amps.
I've got my non gigging guitars covered on my house policy. (PRS signature, Old SG jr, L/P jr, stuff like that that I don't gig with)
I've had a quote from Allianz for about £400 per year, which includes European cover, (this is good as I have a Policed gig at the Matala Beach Festival in Crete)
your thoughts please kind basschatters