AttitudeCastle Posted October 16, 2009 Share Posted October 16, 2009 (edited) Hey Guys, I just spend almost all my money and plan to spend the rest of it on gear, so i want to have it insured just in case! my families house insurance only covers your stuff over £500 when its at home, once taken out the house the contrcat is seen as broken, i went through all this with my trombone, but when i joined an orchestra they had insurance that covers every member all the time that was that sorted, so i want to insure my Bass and amps and all that jazz where do i go? how much will it cost? etc anyone? Adam, Edited October 16, 2009 by AttitudeCastle Quote Link to comment Share on other sites More sharing options...
woodyratm Posted October 16, 2009 Share Posted October 16, 2009 [url="http://www.musicguard.co.uk/home.asp"]http://www.musicguard.co.uk/home.asp[/url] Is what i use to insure mine. I'm 13 quid a month which insures my lakland, Stingray and backline. Still need to add my pedalboard at some point! Quote Link to comment Share on other sites More sharing options...
OldGit Posted October 16, 2009 Share Posted October 16, 2009 [quote name='AttitudeCastle' post='627688' date='Oct 16 2009, 11:22 AM']when i joined an orchestra [b]they had insurgence [/b][/quote] Wow, Don't tell MI6! [url="http://www.allianzmusicalinsurance.co.uk/"]http://www.allianzmusicalinsurance.co.uk/[/url] Specialist musical insurance. Been great for me especially my precious and rare saxes, as well as my basses. Quote Link to comment Share on other sites More sharing options...
Owen Posted October 16, 2009 Share Posted October 16, 2009 If you join the Musicians Union they have free cover up to £2000. Quote Link to comment Share on other sites More sharing options...
AttitudeCastle Posted October 16, 2009 Author Share Posted October 16, 2009 (edited) [quote name='OldGit' post='627708' date='Oct 16 2009, 11:40 AM']Wow, Don't tell MI6! [url="http://www.allianzmusicalinsurance.co.uk/"]http://www.allianzmusicalinsurance.co.uk/[/url] Specialist musical insurance. Been great for me especially my precious and rare saxes, as well as my basses.[/quote] oops! >_> lol well there is this shifty russian lad jokes he is ace oh, also it would be MI5 as that is security of this country, not threats from out side the country out side the country sorry to be picky, i watch to much bond... lol Edited October 16, 2009 by AttitudeCastle Quote Link to comment Share on other sites More sharing options...
Mateybass Posted October 20, 2009 Share Posted October 20, 2009 [quote name='owen' post='627742' date='Oct 16 2009, 12:14 PM']If you join the Musicians Union they have free cover up to £2000.[/quote] ... and don't forget the with the MU you also get free public liability cover in case anyone sues you for damaging their hearing or dropping a bass cab on their foot Quote Link to comment Share on other sites More sharing options...
OldGit Posted October 20, 2009 Share Posted October 20, 2009 [quote name='Mateybass' post='631020' date='Oct 20 2009, 01:13 AM']... and don't forget the with the MU you also get free public liability cover in case anyone sues you for damaging their hearing or dropping a bass cab on their foot [/quote] ... or crashing into your PA and having a top box fall on their head ... because they are blind drunk and can't control their feet ... Only really need it for a whole band though ... Quote Link to comment Share on other sites More sharing options...
Paul S Posted October 20, 2009 Share Posted October 20, 2009 We just went through this process here at home. I looked at dedicated instrument insurance and it was usually >£!00. Joining MU is, what, £150? To get us extra cover on our house insurance for high value items taken out of the home up to a value of, say, £3K added an extra £20 or so to the premium. Seemed the best solution to me. Quote Link to comment Share on other sites More sharing options...
OldGit Posted October 20, 2009 Share Posted October 20, 2009 [quote name='Paul S' post='631102' date='Oct 20 2009, 09:29 AM']We just went through this process here at home. I looked at dedicated instrument insurance and it was usually >£!00. Joining MU is, what, £150? To get us extra cover on our house insurance for high value items taken out of the home up to a value of, say, £3K added an extra £20 or so to the premium. Seemed the best solution to me.[/quote] Make sure it covers musical instruments used for pro or semi pro performance in a public place, assuming that's what you do with it. Find out the definitions now rather than after some oik has nicked your pride and joy from your car. As [url="http://www.youtube.com/watch?v=9Txqmgr1k0Y"]Tom Waits Once Sang [/url] "The big print giveth and the small print taketh away" Quote Link to comment Share on other sites More sharing options...
molan Posted October 20, 2009 Share Posted October 20, 2009 I used these guys for my house insurance: [url="http://www.ehomeinsurance.co.uk/"]http://www.ehomeinsurance.co.uk/[/url] And paid an additional premium to specifically cover musical instruments for professional use outside the home We've just had to claim for damage to a ceiling following leaky pipes & they were brilliant. Quote Link to comment Share on other sites More sharing options...
toneknob Posted October 20, 2009 Share Posted October 20, 2009 (edited) I did a quick tot-up of my gear's (estimated) price and it came in at a surprising 5-figure plus sum, so I decided it's time to kick Direct Line to the kerb for instrument insurance and go specialist. I looked at a load of providers and went with MusicGuard in the end. I think what swung it was their percentage "out of the house" policy, where you can define how much of your gear is likely to go travelling with you. Others I looked at were: www.quotiva.co.uk www.allianzmusicalinsurance.co.uk www.eandl.co.uk www.victorcknight.co.uk www.larkinsurance.co.uk www.endsleigh.co.uk/musical-instruments www.clarionins.com I can't remember exactly why I rejected the others, but there must have been good reasons What they do ask for though is (a) proof of ownership in the event of a claim and (2) vintage and rare gear needs a recent valuation (within three years). So I asked them what constitutes proof of ownership. A picture with me and the equipment, or a receipt detailing the equipment. What I did was take a dated digital picture of everything with a hard copy of the policy in shot. As for valuations, I asked what constituted vintage or rare, and they said that's up to me - if it's not easily replaceable then it qualifies. Today I picked up a valuation from a pro for two guitars, and one came in £1k more than I'd guessed at, the other £500 more. So up goes the premium, but then again that's the point of it really, I suppose. Edited October 20, 2009 by toneknob Quote Link to comment Share on other sites More sharing options...
xgsjx Posted October 20, 2009 Share Posted October 20, 2009 I'm with Direct line for my home insurance & it will cover my gear upto whatever I specify I need & have double checked & is covered worldwide for semi pro use (I should be so lucky!). Quote Link to comment Share on other sites More sharing options...
toneknob Posted October 20, 2009 Share Posted October 20, 2009 [quote name='xgsjx' post='631419' date='Oct 20 2009, 03:24 PM']I'm with Direct line for my home insurance & it will cover my gear upto whatever I specify I need & have double checked & is covered worldwide for semi pro use (I should be so lucky!).[/quote] Direct Line were vague with me about overseas use, which was one of the reasons I stopped using them. No precise in-car policy (musicguard are very clear about this), and also no cover if you're earning money from gigging. Quote Link to comment Share on other sites More sharing options...
KevB Posted October 20, 2009 Share Posted October 20, 2009 I took out insurance with Endsleigh specifically for music gear, think I'm insured up to 2-3K for under 40 quid per year. Almost as soon as I took it out the band folded and I've not been regularly gigging since! Quote Link to comment Share on other sites More sharing options...
spacecowboy Posted October 20, 2009 Share Posted October 20, 2009 [quote name='KevB' post='631501' date='Oct 20 2009, 04:38 PM']I took out insurance with Endsleigh specifically for music gear, think I'm insured up to 2-3K for under 40 quid per year. Almost as soon as I took it out the band folded and I've not been regularly gigging since![/quote] Likewise my Two Warwicks are insured for £3000 Each and i paid £46 for the year, it covers theft from home and gigs, damage at gigs, damage at home, theft from locked automobiles, pretty much everything that could happen, i had my House Insurance at uni with them for 3 years, never had any trouble back then, but then again nothing bad happened! Quote Link to comment Share on other sites More sharing options...
wateroftyne Posted December 9, 2009 Share Posted December 9, 2009 Just bumping an old thread to say I've just switched from Musicguard to Endsleigh, and my premium dropped from £280 to £180 for comparable cover. SHAZAM! Quote Link to comment Share on other sites More sharing options...
51m0n Posted December 9, 2009 Share Posted December 9, 2009 [quote name='wateroftyne' post='679090' date='Dec 9 2009, 02:23 PM']Just bumping an old thread to say I've just switched from Musicguard to Endsleigh, and my premium dropped from £280 to £180 for comparable cover. SHAZAM![/quote] Oh wow. Nice one mate, I would imagine I'd get a similar reduction then. Cool! Quote Link to comment Share on other sites More sharing options...
NJE Posted February 24, 2010 Share Posted February 24, 2010 Brilliant, just looking for insurance at the moment as I have been far too lucky for too many years and just started gigging again. I thought hmm I wonder if this has been covered on basschat......tada! of course it has. Cheers for all of the providers, just got to see who is the cheapest now. Quote Link to comment Share on other sites More sharing options...
High score Posted February 24, 2010 Share Posted February 24, 2010 [quote name='AttitudeCastle' post='627688' date='Oct 16 2009, 10:22 AM']Hey Guys, I just spend almost all my money and plan to spend the rest of it on gear, so i want to have it insured just in case! my families house insurance only covers your stuff over £500 when its at home, once taken out the house the contrcat is seen as broken, i went through all this with my trombone, but when i joined an orchestra they had insurance that covers every member all the time that was that sorted, so i want to insure my Bass and amps and all that jazz where do i go? how much will it cost? etc anyone? Adam,[/quote] Use specialist cover such as Endsleigh. I tried to cover my instruments and amps on my home insurance and was quoted over £50 per item. Just a ridiculous figure at the end of the day. Iain Quote Link to comment Share on other sites More sharing options...
NJE Posted February 24, 2010 Share Posted February 24, 2010 Endsleigh online quote: £35 for the year to cover me for £2700 worth of gear what an absolute bargain, must be something wrong! Im going to read the fine print, I dont trust it. Quote Link to comment Share on other sites More sharing options...
Simon. Posted February 24, 2010 Share Posted February 24, 2010 I was going to recommend Musicguard as well - good customer service & a decent price compared to some other I looked at. However, having read the rest of this thread, I think I might be looking at Endsleigh when my cover is up for renewal! Shame it's not until December... Quote Link to comment Share on other sites More sharing options...
RussFM Posted February 24, 2010 Share Posted February 24, 2010 Endsleigh quoted me £35 for the year, think I'll be going with that! Quote Link to comment Share on other sites More sharing options...
Bigwan Posted February 24, 2010 Share Posted February 24, 2010 My 'collection' has got a little out of hand of late so I thought a quick quote would be a good idea. £118 seems pretty good to me considering I managed to max out the quote engine (max £10,000 cover)... Quote Link to comment Share on other sites More sharing options...
Hazy Bass Posted February 24, 2010 Share Posted February 24, 2010 I haven't tried Endsleigh - sounds like an excellent deal. Will look next time. I've had Musicguard on & off for over 10 years - I think they were one of the few available at that time. Always been really good. Public liability is included & it covers in-car, out of the home - pretty well all possibilities. I only had to claim once - way back in the beginning. My harmonica player had his van stolen (not while at a gig or anything) with all his kit in it (& pretty well all his worldly possessions!) - amazing how much a bag full of harmonicas adds up to, plus amps, mics, cables etc. They paid up immediately - no questions. In fact as far as I remember their main concern was to make sure we had claimed enough! Cheers, Andy Quote Link to comment Share on other sites More sharing options...
BottomEndian Posted February 24, 2010 Share Posted February 24, 2010 This might sound like a stupid question... hell, I'm pretty sure it is. Anyway, how do you go about figuring out how much to insure your instruments for? Especially when they're modded and thus pretty much unique. Do you take the RRP (or street price?) of the instrument and then add on the cost of the mods and how much it'd be (if anything) to have them fitted/routed/painted/whatever? Or would insurance only pay out to the value of the original, unmodded bass? Out of my 5 basses, only 1 is stock (the SUB), so this is a pretty important factor to me. Quote Link to comment Share on other sites More sharing options...
.gif.9ad672bb8b84505709f76b39c8c256ec.gif)
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.