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Specialist Bass Insurance


Insure4Music

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On 06/12/2019 at 11:25, Insure4Music said:

You're correct on the unattended vehicle question, instruments need to be in a locked compartment of a car/van that is out of sight. It's similar to leaving a phone or wallet on the passenger seat of a car or putting it in the glove box...

The bootspace in a hatchback is accessible by breaking a side window and pulling the seat-back down, and the roller blind cover of an estate car bootspace is similarly not lockable. Does that mean that you do not insure gear that is in the bootspace of an unattended car unless it has a fixed rear seat and parcel shelf?

Also, if I try and improve the securty of my hatchback by putting a plywood bulkhead and roof into the bootspace, it would be more difficult to remove any items except through the lockable rear door, but the bootspace itself would still not be a locked enclosure, so does that mean its contents are still not insured? If you are prepared to accept modifications to improve the securuty of the bootspace, what thickness of plywood would you deem to be an accceptable deterrent?

David

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I think I should point out, Allianz say that "the instruments must be concealed from view". When I asked if I could chuck a blanket over my double bass, the answer was "if its concealed from view, yes". Levels of cover vary widely, so make sure you check, but it's only fair that they ask you to minimise the risk. It is your gear, after all!!

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7 hours ago, neilp said:

I think I should point out, Allianz say that "the instruments must be concealed from view". When I asked if I could chuck a blanket over my double bass, the answer was "if its concealed from view, yes". Levels of cover vary widely, so make sure you check, but it's only fair that they ask you to minimise the risk. It is your gear, after all!!

There is a big difference between concealing something, and chucking a blanket over it so that its outline is still apparent. According to Insure4music, concealing a wallet in a glove compartment would not be acceptable, so I question why putting a blanket over something is acceptable.

David

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On 06/01/2020 at 18:26, Mottlefeeder said:

The bootspace in a hatchback is accessible by breaking a side window and pulling the seat-back down, and the roller blind cover of an estate car bootspace is similarly not lockable. Does that mean that you do not insure gear that is in the bootspace of an unattended car unless it has a fixed rear seat and parcel shelf?

Also, if I try and improve the securty of my hatchback by putting a plywood bulkhead and roof into the bootspace, it would be more difficult to remove any items except through the lockable rear door, but the bootspace itself would still not be a locked enclosure, so does that mean its contents are still not insured? If you are prepared to accept modifications to improve the securuty of the bootspace, what thickness of plywood would you deem to be an accceptable deterrent?

David

Hi David, as long as the equipment is in a locked boot and covered by a parcel shelf/roller blind then that's fine - the rear seats don't need to be fixed.

Edited by Insure4Music
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On 06/01/2020 at 17:35, bassfan said:

I drive an estate car, the seats are dropped to get everything in. The windows are heavily tinted (by manufacturer) you can’t easily see in,  so if my gear was stolen I wouldn’t be covered as it’s not in a specific compartment?  I would argue that the whole vehicle then becomes a compartment if the seats are down as it’s one space. Same way the basses are covered in my house, they aren’t in locked gun cupboards they are in a room with the front and back doors locked if I go out.  
 

Would I be Covered in an estate car or only in a car with a “boot” ? 

Hi Bassfan, you'd be covered in an estate car but the back seats would need to be up so that the equipment is out of sight. 

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59 minutes ago, Insure4Music said:

Hi Bassfan, you'd be covered in an estate car but the back seats would need to be up so that the equipment is out of sight. 

The whole point of the estate is to drop the seats so it all goes in. If I have the seats up the gear won’t all go in.  And if the seats were up it still wouldn’t make a difference as the boots not covered. 
looks like I’ll be taking my chances. 🙄

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2 minutes ago, bassfan said:

The whole point of the estate is to drop the seats so it all goes in. If I have the seats up the gear won’t all go in.  And if the seats were up it still wouldn’t make a difference as the boots not covered. 
looks like I’ll be taking my chances. 🙄

Buy a Trace Elliot 4x10 combo. You could leave it in the street and nobody would have the strength to pick it up and run away with it :)

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1 minute ago, bassfan said:

The whole point of the estate is to drop the seats so it all goes in. If I have the seats up the gear won’t all go in.  And if the seats were up it still wouldn’t make a difference as the boots not covered. 
looks like I’ll be taking my chances. 🙄

Alternatively you could go for the musician's equivalent of a van strong-box using a flight case or similar.

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52 minutes ago, Mottlefeeder said:

Alternatively you could go for the musician's equivalent of a van strong-box using a flight case or similar.

It wouldn’t fit in. I have a car load of pa stuff and the whole car is loaded. Cab, speakers, lights, bass, boxes of cables. Think Tetris in an A6. If the insurance has to be seats up, Which is pointless and makes no difference as you can still see through the rear window if you squint through the heavy tint, it’s not worth having as that’s the get out of jail free card. 

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