sharkboy Posted July 29, 2015 Share Posted July 29, 2015 Apologies if this has been already debated to death (if so, can someone link to the thread?), but an unfortunate incident at practice tonight has made me think long and hard about this subject. Our guitarist's beautiful PRS Custom 24 slipped it's strap and plummeted head-first to the floor, breaking the headstock. He, like me, has got the instrument listed separately on his home contents insurance and is covered at home, in transit and at gigs, but it got me thinking whether it is enough to rely on a contents policy, or should I go for specialist equipment insurance? So, I'd love to have your thoughts on the pros and cons of home vs specialist insurance. Is the latter generally less hassle to claim from in such situations, or are they much the same? Does the specialist insurance offer more cover or more perks? Is there a company you would recommend? Quote Link to comment Share on other sites More sharing options...
Woodinblack Posted July 29, 2015 Share Posted July 29, 2015 This was a thread I did last month and has some useful info http://basschat.co.uk/topic/264898-house-insurance-on-instruments/ End result, seems that home insurance generally won't cover instruments if you get paid for using those instruments, unless you lie about it. Quote Link to comment Share on other sites More sharing options...
ambient Posted July 29, 2015 Share Posted July 29, 2015 [quote name='Woodinblack' timestamp='1438213566' post='2832671'] This was a thread I did last month and has some useful info [url="http://basschat.co.uk/topic/264898-house-insurance-on-instruments/"]http://basschat.co.u...on-instruments/[/url] End result, seems that home insurance generally won't cover instruments if you get paid for using those instruments, unless you lie about it. [/quote] Try getting car insurance if you tell them you're musician I think you just need to check the small print of your policy. Mine is insured via the MU. Quote Link to comment Share on other sites More sharing options...
CamdenRob Posted July 30, 2015 Share Posted July 30, 2015 (edited) This is a popular subject for BC threads and crops up quite a lot. There is lots of opinion and everyone seems to do something slightly differently... If anyone knows of a single person who has had their gear nicked/damaged at a gig/rehearsal and successfully managed to make a claim I would sign up to which ever company they were insured with today. There seem to be so many exclusions and variables in the available specialist poiicies that I just have my gear listed on my contents insurance for "out of house use" and hope for the best. Edited July 30, 2015 by CamdenRob Quote Link to comment Share on other sites More sharing options...
sharkboy Posted July 30, 2015 Author Share Posted July 30, 2015 Thanks for the replies guys. After speaking to our guitarist and finding out that his home contents provider is being a bit funny about the claim, I decided to go for specialist insurance through Allianz. £11 a month with one month free didn't seem too much for around £5k cover. I liked that they'll also cover any reduction in value to the bass if it needs a repair. So 2 basses, amp, 2 cabs and pedals all now covered Quote Link to comment Share on other sites More sharing options...
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