Jono Bolton Posted April 28, 2016 Share Posted April 28, 2016 I have a small run of gigs next week and I'll be taking my P Bass and my head with me. Is it possible to get insurance just or the 4 days I need it for, or am I as well just getting a normal policy i.e. for the year? I've used Music Guard before but probably wouldn't go back to them as I've heard some stories about them being difficult to work with (although I never had to make a claim off them). I'd need something that covers theft, damage etc, including while it's in the car and venue. Any suggestions? Quote Link to comment Share on other sites More sharing options...
wateroftyne Posted April 28, 2016 Share Posted April 28, 2016 I'm not sure about the 4-day thing, but give New Moon Insurance a bell. Or join the MU - their limit is capped quite low, though... Quote Link to comment Share on other sites More sharing options...
Earbrass Posted April 28, 2016 Share Posted April 28, 2016 +1 for New Moon. Nice people to deal with and highly recommended by a lot of musos. Quote Link to comment Share on other sites More sharing options...
toneknob Posted April 28, 2016 Share Posted April 28, 2016 New Moon here as well. I have an annual policy but it has in-car cover, also you can specify whether instruments are covered just at home/studio or out and about. Handy for that '54 P-bass that doesn't get gigged any more. Quote Link to comment Share on other sites More sharing options...
Jono Bolton Posted April 28, 2016 Author Share Posted April 28, 2016 (edited) New Moon looks good; to cover my bass and head for all my needs is a baffling £25 a year with no excess I gather this is due to the value of my gear, but that seems incredibly cheap to replace approx. £700-worth of stuff. Edited April 28, 2016 by Jono Bolton Quote Link to comment Share on other sites More sharing options...
Sammers Posted April 28, 2016 Share Posted April 28, 2016 Bit of a silly question but how would I go about valuing my bass, do I just put the RRP? or what it's worth to me? or something else entirely? eg, my Lull was sold by Bass Direct for something like £3400 but I brought it off the original buyer for a price nowhere near that, maybe around £1300ish. So if I was to put down £1300, I couldn't replace it like-for-like but I also didn't spend £3500 either. Never really dealt with insuring things before as I don't drive! Quote Link to comment Share on other sites More sharing options...
wateroftyne Posted April 28, 2016 Share Posted April 28, 2016 [quote name='Sammers' timestamp='1461851225' post='3038199'] Bit of a silly question but how would I go about valuing my bass, do I just put the RRP? or what it's worth to me? or something else entirely? eg, my Lull was sold by Bass Direct for something like £3400 but I brought it off the original buyer for a price nowhere near that, maybe around £1300ish. So if I was to put down £1300, I couldn't replace it like-for-like but I also didn't spend £3500 either. Never really dealt with insuring things before as I don't drive! [/quote] Insure it for whatever it will cost to replace. Quote Link to comment Share on other sites More sharing options...
Sammers Posted April 28, 2016 Share Posted April 28, 2016 [quote name='wateroftyne' timestamp='1461851504' post='3038201'] Insure it for whatever it will cost to replace. [/quote] Mighty helpful, thank you! Quote Link to comment Share on other sites More sharing options...
Jono Bolton Posted April 28, 2016 Author Share Posted April 28, 2016 I'd value it at the cost to replace it as well. My P Bass was an ebay bargain so I got it for less than £200, but to buy one new would cost me between £390 and £440. I put a price of £425 for it as I know I could find a replacement for that cost. My head was a bit more difficult as it's no longer in production. Again, mine cost me £100 but I've seen them go for more than that so I put down a value that I know would get me a replacement; finding one is the tricky bit! Quote Link to comment Share on other sites More sharing options...
goblin Posted April 28, 2016 Share Posted April 28, 2016 I'm with Allianz, got around £12k worth of gear insured with them for worldwide cover and I pay £20 a month... is it really worth the risk? Quote Link to comment Share on other sites More sharing options...
CamdenRob Posted April 29, 2016 Share Posted April 29, 2016 (edited) I have all my gear as listed items on my Aviva house insurance... I have it all covered for "professional use" to cover me for the odd occasion I receive some beer tokens for a gig. Everything has a listed replacement value. ... as with any insurance though, I'll only really know how good it is if I have to claim. Edited April 29, 2016 by CamdenRob Quote Link to comment Share on other sites More sharing options...
NJE Posted April 29, 2016 Share Posted April 29, 2016 I have all of my gear listed on my home insurance. I am covered inside and out of the home and covered for professional use in venues etc. Not all insurance companies do it which I discovered when we got a quote from another provider, but I went through it with them and made sure I had confirmation that I was covered for all eventualities. The best bit is it cost me basically nothing extra on top of my normal policy. Quote Link to comment Share on other sites More sharing options...
bassjim Posted April 29, 2016 Share Posted April 29, 2016 Like a couple of others here I use the home insurance. I use co-op. The gear is covered in and out the house plus I get a few months in europe which has come in handy last few years. You have to say "professional use" or they wont cover it fully. You can say what its worth so with my head and cabs I value them at what I need to get second hand stuff should the worse happen. They wont cover me for the medical expenses following a complete mental breakdown should the axe get stolen but I will at least be able to go straight out and get another....... Quote Link to comment Share on other sites More sharing options...
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