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Instrument insurance - who do you recommend


6stringbassist
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This is probably something most people neglect, I know I certainly have.

I used to use Musicguard but fell out with them a couple of years ago.

Last night I was lying listening to some music, and it occurred to me how much my gear is worth, it get's taken out 3 or 4 times a week, and well it's not insured.

Who do you recommend.

A quick search found these two

[url="http://www.victorcknight.co.uk/"]http://www.victorcknight.co.uk/[/url]

[url="http://www.allianzmusicalinsurance.co.uk/default.asp"]http://www.allianzmusicalinsurance.co.uk/default.asp[/url]

Both offer really good quotes, but has anyone ever dealt with them, and been unfortunate to make a claim, did you encounter any problems ?.

Edited by 6stringbassist
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[quote name='6stringbassist' post='228534' date='Jun 28 2008, 12:53 PM']Who do you recommend.

[url="http://www.victorcknight.co.uk/"]http://www.victorcknight.co.uk/[/url]

[url="http://www.allianzmusicalinsurance.co.uk/default.asp"]http://www.allianzmusicalinsurance.co.uk/default.asp[/url]

Both offer really good quotes, but has anyone ever dealt with them, and been unfortunate to make a claim, did you encounter any problems ?.[/quote]

I've used Allianz - but only for Orchestral Brass (French Horn/Trumpet/Trombone). Their quote was good and my one claim (tempts fate) was settled quickly and without quibble. Can't comment on your other choice.

HTH

Neil

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[quote name='john_the_bass' post='228539' date='Jun 28 2008, 01:00 PM']I rang Endsleigh last week who quoted me £125 for 10k cover on a new for old basis.[/quote]


Thanks, I'll give them a try too.

I basically want to pick someone who's not going to mess about if I have to make a claim, I'm very careful with my gear, but you never know.

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I've used Vic Knight for years - never had to claim, so I can't say I've ever been able to test them - and I hope it stays that way. I've contacted them a few times with questions, and they've always been very easy to deal with.

BB

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[quote name='6stringbassist' post='228534' date='Jun 28 2008, 12:53 PM']This is probably something most people neglect, I know I certainly have.

I used to use Musicguard but fell out with them a couple of years ago.

Last night I was lying listening to some music, and it occurred to me how much my gear is worth, it get's taken out 3 or 4 times a week, and well it's not insured.

Who do you recommend.

A quick search found these two

[url="http://www.victorcknight.co.uk/"]http://www.victorcknight.co.uk/[/url]

[url="http://www.allianzmusicalinsurance.co.uk/default.asp"]http://www.allianzmusicalinsurance.co.uk/default.asp[/url]

Both offer really good quotes, but has anyone ever dealt with them, and been unfortunate to make a claim, did you encounter any problems ?.[/quote]

Mate, what was your problem with Musicguard? I'm insured through them and I'd be interested to know if they're as good as they appear to be, or whether I need to look elsewhere.

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  • 1 year later...

[quote name='nutmeg31415' post='554970' date='Jul 29 2009, 12:03 PM']Newmoon Insurance specialises in insuring musical instruments. Worth a look

[url="http://www.newmooninsurance.com/musical/"]Newmoon Musical Instrument Insurance[/url][/quote]

It might be worthwhile coming clean and stating upfront if you've got a vested interest. No one minds a heads up but nobody likes being deceived, especially if you're asking them to trust you with their cash.

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[quote name='waynepunkdude' post='228551' date='Jun 28 2008, 01:26 PM']If you have home contents insurance check your policy, mine covers me for £5k for stuff i take out of the house and covers everything inside my house.[/quote]

I'd be very careful with that. On many home contents policies, musical equipment is not covered if it is being used in a professional capacity (i.e. you are being paid for your performance).

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[quote name='waynepunkdude' post='228551' date='Jun 28 2008, 01:26 PM']If you have home contents insurance check your policy, mine covers me for £5k for stuff i take out of the house and covers everything inside my house.[/quote]

+1 Definitely worth checking out, I saved a fortune by just adding "outside the home" to my contents insurance.

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[quote name='ezbass' post='555216' date='Jul 29 2009, 03:34 PM']+1 Definitely worth checking out, I saved a fortune by just adding "outside the home" to my contents insurance.[/quote]

But do you earn money from playing? If you do, then you're most likely not covered.

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