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Posts: 1770
Joined: Jul. 11 2003
From: The Netherlands
RE: Instrument Insurance Anyone? (in reply to Guest)
Hi Rumbaking,
A few years ago I tried to get an instrument insured, so it exist, but the rules to pay me when it was lost, burned, stolen, where so much that it was in fact only insured in the house. Not for instance in a car, left alone in a hotel room, on the street, etc etc.
RE: Instrument Insurance Anyone? (in reply to Guest)
Indeed. I have my €3500 guitar insured, if stolen, broken, if it gets broken on a flight or even if I break it myself I get €3500 paid out - no matter where in the world it happens. I only pay just under €80 a year. Cheap and very much worth it.
I'm in Germany, there must be a similar insurance where you are.
_____________________________
Don't sweat the petty things and don't pet the sweaty things
I haven't yet opened a policy with them, but I have heard lots of good things about them. Worth looking into IMO.
I've had a policy with Heritage (Traveler's) for the last five years. I got it when I was about to go on tour with a rock band and my gear was being used by my bandmates. Our uHaul trailer was stolen in San Francisco and I provided the Heritage with a police report the next day. About three weeks later, I got a check. No hassle at all. My policy insures up to 25k, I think (I have about 23k insured) and runs around $300 a year. It covers theft regardless of where the theft occurs. It also covers damages if you drop your guitar on stage, for example.
I've got everything covered, from instruments to Monster cables to microphones. The only items that they won't insure are laptops and recording software.
RE: Instrument Insurance Anyone? (in reply to Guest)
Rumbaking, I'm actually in the insurance business and the correct way to insure your instruments is through a "musical instrument schedule" on your homeowners or renters policy. Typically they will cover your instruments at a replacement cost or agreed value with no deductible. The only caveat is that some insurers may not allow for professional use and some others might surcharge for professional use. I have my guitars scheduled so I don't have to worry at a gig about someone stepping on it or getting it stolen; well actually I worry about that but at least I know I have some coverage in the event a disaster occurs.
I would highly recommend anyone with an expensive or rare instrument to have it scheduled as the basic home policy gives little or no coverage and only on named perils... Sig--
Posts: 2697
Joined: Jun. 7 2010
From: The South Ireland
RE: Instrument Insurance Anyone? (in reply to Guest)
quote:
Quick way to make a buck if you don't have the time to find someone to BUY
Could you do it , rombsix ?? really ?.. a lovely 1A flamenco , something you have lived with, learned with ......then you get a hammer and.............**&*^% insurance
Posts: 1812
Joined: Nov. 8 2010
From: London (living in the Bay Area)
RE: Instrument Insurance Anyone? (in reply to El Kiko)
quote:
Could you do it , rombsix ?? really ?
I don't believe it.
This is from the recent obituary of the lutenist James Tyler:
'He composed and arranged music for four productions of a BBC television cycle of Shakespeare plays, including Romeo and Juliet, and Henry VIII. He can also be heard – and seen – in the film Mary, Queen of Scots (1971), for which one of his off-screen duties was to instruct Glenda Jackson, as Elizabeth I, in the art of smashing lutes, in this instance over the head of Daniel Massey, playing Robert Dudley, Earl of Leicester. Jim recounted how the prop man wheeled in 10 historically accurate balsa lutes, most of which were destroyed in the interest of securing the perfect take.'.
Elizabeth I was a skilled lutenist. Could she really have brought herself to smash a beautiful lute of Leicester's head? I say, No way: just Hollywood being stupid again,
RE: Instrument Insurance Anyone? (in reply to El Kiko)
quote:
Could you do it , rombsix ?? really ?.. a lovely 1A flamenco , something you have lived with, learned with ......then you get a hammer and.............**&*^% insurance
Could you do it , rombsix ?? really ?..
No way, man! I was joking... My friends HATE me because I never let them play my guitar. And if they catch me off guard and take it to try it out, they find I am hovering all around them to make sure they don't accidentally hit it against a chair or wall or something...
I'm happy to say my Ramirez R1 (albeit classical) is still probably in mint condition ever since I bought it seven years ago. I just can't deal with people that smash their guitar up all over the place and say they don't care, because it still sounds good.
RE: Instrument Insurance Anyone? (in reply to Guest)
quote:
I really really wish you had a real Flamenco guitar. I think we should start a post and all pitch in to get Ramzi a real Flamenco guitar.....maybe that Francisco Navarro going for $700?......
Well that would be a treat ... Perhaps Kudo could pitch in?
I am HOPING to get a decent flamenco guitar by the end of this year / early next year...
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