lowlandtrees Posted April 7, 2019 Share Posted April 7, 2019 Just got hold of a new instrument. By coincidence my house insurance was due for renewal. They want an extra £100 a year to insure this one instrument....and that is only at home/damage etc ...it is not covered out of the flat. It is quite valuable but I didn’t pay anything like the valued number. Is there any other way of insuring instruments? Musicians union only cover up to 2k I believe? Has anyone tried specialist companies...particularly claiming from them? Quote Link to comment Share on other sites More sharing options...
fretmeister Posted April 7, 2019 Share Posted April 7, 2019 Allianz are good. They cover accidental damage, theft etc etc including theft from unaccompanied vehicles as long as the instrument could not be seen. I've not claimed on a music policy with them but I use them for work stuff and they've written a few £100,000 cheques. Quote Link to comment Share on other sites More sharing options...
lowlandtrees Posted April 7, 2019 Author Share Posted April 7, 2019 9 minutes ago, fretmeister said: Allianz are good. They cover accidental damage, theft etc etc including theft from unaccompanied vehicles as long as the instrument could not be seen. I've not claimed on a music policy with them but I use them for work stuff and they've written a few £100,000 cheques. Is that specialist musical instrument cover? Quote Link to comment Share on other sites More sharing options...
wateroftyne Posted April 7, 2019 Share Posted April 7, 2019 Check out Newmoon. Quote Link to comment Share on other sites More sharing options...
fretmeister Posted April 7, 2019 Share Posted April 7, 2019 1 minute ago, lowlandtrees said: Is that specialist musical instrument cover? Here you go http://bfy.tw/N6p0 Quote Link to comment Share on other sites More sharing options...
leftybassman392 Posted April 7, 2019 Share Posted April 7, 2019 (edited) I’d suggest you shop around a bit. Our current policy covers all my instruments (9 in all - some of them pretty valuable) for not much more than that. I’m not going to do the work for you, but there’s plenty of comparison sites available. Edited April 7, 2019 by leftybassman392 Quote Link to comment Share on other sites More sharing options...
fretmeister Posted April 7, 2019 Share Posted April 7, 2019 Many house policies don't do new for old on instruments and don't offer any protection if you are gigging - or at least getting paid to gig. And the little stuff like pedal boards / power supplies add up quick - and it nearly gave me a heart-attack when I added up just the pedals on my 3 boards! Quote Link to comment Share on other sites More sharing options...
wateroftyne Posted April 7, 2019 Share Posted April 7, 2019 Mrs. WoT & I are well covered for about £120 per year with Newmoon. Quote Link to comment Share on other sites More sharing options...
lowlandtrees Posted April 7, 2019 Author Share Posted April 7, 2019 2 minutes ago, wateroftyne said: Mrs. WoT & I are well covered for about £120 per year with Newmoon. I take it that the policy includes all instruments whilst gigging but not unattended vehicles? Quote Link to comment Share on other sites More sharing options...
wateroftyne Posted April 7, 2019 Share Posted April 7, 2019 9 minutes ago, lowlandtrees said: I take it that the policy includes all instruments whilst gigging but not unattended vehicles? Unattended vehicles too. Can’t see the point otherwise. 1 Quote Link to comment Share on other sites More sharing options...
lowlandtrees Posted April 7, 2019 Author Share Posted April 7, 2019 27 minutes ago, wateroftyne said: Unattended vehicles too. Can’t see the point otherwise. I just looked up Allianz and it gave an option for unattended vehicles. It think it also states that if you can see the items then they are not covered...ie has to be a van...will call a couple of companies in the morning. Quote from web site not working. Quote Link to comment Share on other sites More sharing options...
Burns-bass Posted April 7, 2019 Share Posted April 7, 2019 I use More Than and my 1966 Jazz is insures up to £10k for about £30, the other instruments all add up to about £60. I’m very happy with them, they’ve been absolutely brilliant. Quote Link to comment Share on other sites More sharing options...
Skybone Posted April 7, 2019 Share Posted April 7, 2019 Always used MusicGuard for mine. Pretty decent level of cover for an affordable price per month. Quote Link to comment Share on other sites More sharing options...
fretmeister Posted April 7, 2019 Share Posted April 7, 2019 1 hour ago, lowlandtrees said: I just looked up Allianz and it gave an option for unattended vehicles. It think it also states that if you can see the items then they are not covered...ie has to be a van...will call a couple of companies in the morning. Quote from web site not working. Doesn’t have to be a van. Car with a boot is enough. Even an estate with a tonneau cover. Quote Link to comment Share on other sites More sharing options...
Lozz196 Posted April 7, 2019 Share Posted April 7, 2019 I use Insure4Music - never had to claim but they cover all my needs, items at home/gigs/European tours, so pretty good. Quote Link to comment Share on other sites More sharing options...
Lesfunk Posted April 8, 2019 Share Posted April 8, 2019 Here in the states, I use musicpro insurance . $150 per year for a $10,500 policy. Full coverage. Theft, breakage, etc. anywhere in the world. Quote Link to comment Share on other sites More sharing options...
Blink Posted April 9, 2019 Share Posted April 9, 2019 +1 for Musicguard. You also get Public Liability cover thrown in. Quote Link to comment Share on other sites More sharing options...
Dan Dare Posted April 9, 2019 Share Posted April 9, 2019 (edited) If you're in the MU, you can get cover through them without paying a fortune. £10m in public liability insurance is included in the cost of your sub's, too. Edited April 9, 2019 by Dan Dare Quote Link to comment Share on other sites More sharing options...
Skol303 Posted April 10, 2019 Share Posted April 10, 2019 On 07/04/2019 at 11:23, lowlandtrees said: Just got hold of a new instrument. By coincidence my house insurance was due for renewal. They want an extra £100 a year to insure this one instrument....and that is only at home/damage etc ...it is not covered out of the flat. That seems odd! Unless the instrument is especially valuable? I'm with Direct Line and pay probably more than I should for their Home Plus cover; but it includes insurance of all individual home contents up to £4K to a total of something like £40K. I've checked with them and it does cover instruments (and jewellery, antiques, works of art, etc), but not for commercial use. Quote Link to comment Share on other sites More sharing options...
Cat Burrito Posted April 10, 2019 Share Posted April 10, 2019 I'm back with New Moon again after a break. A European Tour earlier this year made me realise that I probably should have some cover. I've always found them really cool to deal with and I like the vibe of the company (they are all musicians who have the near impossible task of trying to make insurance a bit edgy!?).... but I HAVE NEVER CLAIMED! I guess that is where the true test in all these things is. Quote Link to comment Share on other sites More sharing options...
ped Posted April 10, 2019 Share Posted April 10, 2019 There's a Basschat discount code for New Moon insurance, too - you'll get one month free. Quote Link to comment Share on other sites More sharing options...
Cat Burrito Posted April 10, 2019 Share Posted April 10, 2019 1 hour ago, ped said: There's a Basschat discount code for New Moon insurance, too - you'll get one month free. D'oh! I forgot all about that! Quote Link to comment Share on other sites More sharing options...
toneknob Posted April 10, 2019 Share Posted April 10, 2019 New Moon have always been really good at understanding whatever I throw at them (not literally), and really friendly to deal with. Cover for a mix of instruments/amps/pedals/other bits with individually assigned usage (ie home, UK, abroad), and in-car cover, worth well into 5 figures comes in at less than £150. As always an insurance company only measures up when you make a claim, which thankfully I've not had to do yet. Quote Link to comment Share on other sites More sharing options...
lowlandtrees Posted April 10, 2019 Author Share Posted April 10, 2019 10 hours ago, Skol303 said: That seems odd! Unless the instrument is especially valuable? I'm with Direct Line and pay probably more than I should for their Home Plus cover; but it includes insurance of all individual home contents up to £4K to a total of something like £40K. I've checked with them and it does cover instruments (and jewellery, antiques, works of art, etc), but not for commercial use. Turns out that it is. My insurance will only cover individual items up to 3k. Quote Link to comment Share on other sites More sharing options...
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