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Jezyorkshire

Double bass insurance

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From memory, for  a value of approx 20k, I'm paying around 180 per year. Allianz

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2 hours ago, neilp said:

From memory, for  a value of approx 20k, I'm paying around 180 per year. Allianz

I’ve had a quote for £100 for a value of £7000, does not include left unattended in a vehicle

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After many years of paying without looking around, I have transfered my policy from Allianz to New Moon. For me and my specific requirements they were over 45% cheaper and there were several options for cover level (eg UK / EU / Worldwide, car cover or not etc etc).

Have a look https://www.newmooninsurance.com/musical-instrument-insurance?gclid=EAIaIQobChMIpf6pnITM5gIVhrHtCh0YdwEOEAAYASAAEgKutPD_BwE

 

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34 minutes ago, MuddBass said:

After many years of paying without looking around, I have transfered my policy from Allianz to New Moon. For me and my specific requirements they were over 45% cheaper and there were several options for cover level (eg UK / EU / Worldwide, car cover or not etc etc).

Have a look https://www.newmooninsurance.com/musical-instrument-insurance?gclid=EAIaIQobChMIpf6pnITM5gIVhrHtCh0YdwEOEAAYASAAEgKutPD_BwE

 

Thanks mate, just had a quote for £64!

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Allianz are very expensive ... but they do pay out and there is no excess.  Not the same as when that were British Reserve and genuinely knew about stringed instruments, but still the most knowledgeable available..  I was going to drop my insurance and just cover any repair costs myself ( only one claim in 30 years ). Then a neighbour had all his guitars nicked from his front room....

Going to look at new moon next year tho.

 

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On 23/12/2019 at 14:17, Jezyorkshire said:

I’ve had a quote for £100 for a value of £7000, does not include left unattended in a vehicle

I'd never buy double bass insurance that doesn't include cover in unattended vehicles

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10 hours ago, neilp said:

I'd never buy double bass insurance that doesn't include cover in unattended vehicles

The quote I got demanded that any instrument be not visible in a vehicle if left unattended, almost impossible!

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On 25/12/2019 at 18:38, neilp said:

Cover it with a blanket. 

It'll be a blanket with the contours of a double bass. :)

On a more serious note, when I raised this as a possible problem with Allianz over the phone, the guy at the other end said something along the lines that he had to say that for every instrument they insure and that he cannot say anything that was off-script. The implication I took from that and a few other things he said was that so long as you've taken reasonable steps to safeguard your bass then you will still be insured despite it being technically visible inside the car.

But then don't trust a random person on a basschat forum parroting third-hand information. Phone Allianz up yourself to confirm and you'll probably get a similar response to me.

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11 hours ago, chyc said:

It'll be a blanket with the contours of a double bass. :)

On a more serious note, when I raised this as a possible problem with Allianz over the phone, the guy at the other end said something along the lines that he had to say that for every instrument they insure and that he cannot say anything that was off-script. The implication I took from that and a few other things he said was that so long as you've taken reasonable steps to safeguard your bass then you will still be insured despite it being technically visible inside the car.

But then don't trust a random person on a basschat forum parroting third-hand information. Phone Allianz up yourself to confirm and you'll probably get a similar response to me.

I wouldn’t risk that with an expensive instrument on the word of the guy on the end of the phone, don’t think he will make any decisions regarding a claim!

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On 02/01/2020 at 10:07, Jezyorkshire said:

I wouldn’t risk that with an expensive instrument on the word of the guy on the end of the phone, don’t think he will make any decisions regarding a claim!

That's true, but then I'm stuck as the instrument is so big and my car is so small that it is literally impossible for the bass not to be visible inside it.

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4 minutes ago, chyc said:

That's true, but then I'm stuck as the instrument is so big and my car is so small that it is literally impossible for the bass not to be visible inside it.

Aye, only option is to not leave unattended man, it’s not worth the risk if it’s an expensive bass

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1 hour ago, Jezyorkshire said:

Aye, only option is to not leave unattended man, it’s not worth the risk if it’s an expensive bass

It seems to backward to me. It's much more likely that my bass breaks after someone trips over a cable and knocks it over rather than someone breaks into my car (let's be honest, they're not getting it through a smashed window either, they'll have to blow the blaaaddy doors off.) Yet if all I care about is the insurance paying out I should be leaving the bass on-stage all night rather than in the car.

I'm  not arguing with you @Jezyorkshire, you're absolutely right. I'm hoping that some common sense prevails should I make a claim rather than saying I expect it.

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4 minutes ago, chyc said:

It seems to backward to me. It's much more likely that my bass breaks after someone trips over a cable and knocks it over rather than someone breaks into my car (let's be honest, they're not getting it through a smashed window either, they'll have to blow the blaaaddy doors off.) Yet if all I care about is the insurance paying out I should be leaving the bass on-stage all night rather than in the car.

I'm  not arguing with you @Jezyorkshire, you're absolutely right. I'm hoping that some common sense prevails should I make a claim rather than saying I expect it.

Yes brother, I know your not arguing! Just making observations between us, common sense hopefully mate!

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