flyfisher Posted October 10, 2013 Share Posted October 10, 2013 [quote name='CamdenRob' timestamp='1380809866' post='2230906'] My folks house was flood damaged a few years back and [b]apparently there is a separate pot of money from the government which insurers can draw against for this[/b]. When the bloke came to assess the claim he insisted that we needed every door frame and every bit of work custom made by a relevant craftsman to its exact condition before the flood, bespoke carpets and everything... didn't use a single off the shelf part...presumably they were getting us to spend as much as possible then putting their bit on top to draw from the government pot.... dishonest bas***ds. [/quote] I think that was changed earlier this year and it was quite controversial because some people could no longer get flood insurance. I recall a R4 programme about it which explained how insurance companies use postcodes to highlight the risk areas. Unfortunately this creates many anomalies, like the guy with a house next to a river and couldn;t get insurance even though he was so high up the valley that if the river ever got up to him half the country would have been undrwater! Quote Link to comment Share on other sites More sharing options...
Cat Burrito Posted October 10, 2013 Share Posted October 10, 2013 I was with Musicguard for years until I heard bad things about them being difficult paying out - I phoned them to query it as I don't have receipts and they said I'd need valuations on everything.... I had a recommendation for Newmoon insurance and phoned them. They worked out more than 50% cheaper and were cool with photographs of the instruments with online quotes. I can't see me claiming but I want to know that if the worst does happen I'm not paying out for nothing. Sound advice about small print here and especially for those reliant on home insurance. Quote Link to comment Share on other sites More sharing options...
oggiesnr Posted October 10, 2013 Share Posted October 10, 2013 If you're gigging then it's worth having a policy with a public liability component. Like all insurance you'll probably never need it but should someone trip over a loose cable, fall against a speaker stack that falls off the stage and paralyses the person it lands on then it will have been money very well spent. If you're using your home insurance to cover the instruments against theft etc from the home then check what the limits for individual items are (in my case a couple of squeeze boxes and one bass are specifically listed on the policy as they have an individual value greater than £1000). Also music related, if you have an LP collection with any valuable records in then make sure you have a list of them somewhere outside the house. A friend of mine lost his collection of jazz records from the fifties and sixties (all the first release Coltrane and Davies stuff amongst others) and got offered a blanket one pound per record because "no-one plays records anymore"! Steve Quote Link to comment Share on other sites More sharing options...
oggiesnr Posted October 10, 2013 Share Posted October 10, 2013 [quote name='CamdenRob' timestamp='1380809866' post='2230906'] My folks house was flood damaged a few years back and apparently there is a separate pot of money from the government which insurers can draw against for this. When the bloke came to assess the claim he insisted that we needed every door frame and every bit of work custom made by a relevant craftsman to its exact condition before the flood, bespoke carpets and everything... didn't use a single off the shelf part...presumably they were getting us to spend as much as possible then putting their bit on top to draw from the government pot.... dishonest bas***ds. Rob [/quote] Nope, they were just doing what it said in the policy. We were flooded (along with 10,000 other house in Hull) in 2007. They basically do a one metre strip out, all the plaster and wood work up to a metre gets ripped out, then the house gets dried out (takes months) and then it has to get put back together. In our case not a problem but if you've paid top dollar for a cottage with lots of original features do you really what it replaced by B&Q's cheapest. The money from the government was actually there to top up premiums in at risk areas so that they would be affordable, it wasn't a slush fund for added goodies on the work. It was also to stop the insurance companies pulling existing cover on houses in at risk areas. I have another three years to go before I can insure this house with a general insurer (my insurance was linked to my mortgage, when I paid off the mortgage I needed a new policy which everyone refused because it had flooded with ten years) so I pay through the nose for specialist cover which excludes flooding as and is still three times more expensive than it should be! Steve Quote Link to comment Share on other sites More sharing options...
geoffbassist Posted October 29, 2013 Share Posted October 29, 2013 [quote name='ubassman' timestamp='1380630494' post='2228066'] My insurance is pretty cheap ( with Endsleigh ). For £3000 cover or theft and accidental damage on one instrument it costs £33 per annum . Who do others use? [/quote] Thanks for the tip off. I just went through a few quotes and found their process the easiest to use and the price was good. Quote Link to comment Share on other sites More sharing options...
ubassman Posted October 29, 2013 Author Share Posted October 29, 2013 [quote name='geoffbassist' timestamp='1383037828' post='2259269'] Thanks for the tip off. I just went through a few quotes and found their process the easiest to use and the price was good. [/quote] Cheers Geoff , glad the info was of some help ! I've always found them really simple to deal with. BTW...eagerly waiting for the next great vid in the series ! Quote Link to comment Share on other sites More sharing options...
wateroftyne Posted October 29, 2013 Share Posted October 29, 2013 I moved across to New Moon this year, too. Very reasonable premium... Never had to claim, mind. Quote Link to comment Share on other sites More sharing options...
ubassman Posted October 29, 2013 Author Share Posted October 29, 2013 [quote name='wateroftyne' timestamp='1383071485' post='2259886'] Very reasonable premium... Never had to claim, mind. [/quote] ...tempting fate here or what ! Quote Link to comment Share on other sites More sharing options...
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