Bare Knuckle Pickups Forum

At The Back => Time Out => Topic started by: Dazza1004 on May 15, 2008, 09:22:55 AM

Title: Gear Insurance
Post by: Dazza1004 on May 15, 2008, 09:22:55 AM

Guys,

I am due to play my 1st gig in a couple of weeks and I have been thinking I should probably get some kind of insurance for my gear.

What are the best companies to use and is there any loopholes etc I need to watch out for ?

Thanks

Title: Gear Insurance
Post by: Twinfan on May 15, 2008, 09:42:21 AM

Mine's covered under my house insurance......

Title: Gear Insurance
Post by: ailean on May 15, 2008, 01:12:45 PM

Yeah, first stop talk to your current house insurance firm, there is a good chance that you can extend your cover if it's not already covered.

Title: Gear Insurance
Post by: Dazza1004 on May 15, 2008, 01:40:38 PM

good idea, thanks chaps

Title: Gear Insurance
Post by: HairyChris on May 15, 2008, 03:38:27 PM

Interesting question....

If I can hijack this thread briefly... Anyone use Musicguard?

I've had a look at their site and it all looks good apart from the part that says they need receipts to prove value. I've pretty much got no paper trail for any of my stuff so I'm wondering if anyone here's used someone like this with the same problem - eg lots of kit but no way of proving that any of it's theirs!  :oops:

Title: Gear Insurance
Post by: 38thBeatle on May 15, 2008, 06:31:18 PM

If I may make some suggestions. Be aware that you may be able to extend your household Insurance to cover musical instruments on an "all risks" basis away from the home but there may also be restrictions if you earn money from using them. Some Insurers treat them as tools of trade and could therefore exclude them - read the small print. As for provenance, if you have no proof of purchase, ask if there is another way that they  would accept value/proof of ownership-such as obtaining a valuation. Make a note of all serial numbers. The Musicians Union do a good scheme too as far as I recall but if you are not already a member then it may not be so cost effective.

Title: Gear Insurance
Post by: ailean on May 15, 2008, 10:10:58 PM

Quote from: 38thBeatle

but there may also be restrictions if you earn money from using them. Some Insurers treat them as tools of trade and could therefore exclude them

Interesting point, I'd never have thought to check that. Never going to effect me as I'm more likely to get paid to not play :)

Title: Gear Insurance
Post by: HairyChris on May 16, 2008, 12:40:31 PM

You'll actually find that there can be restrictions like this with vehical hire. I rented a minibus a few years back & found that we weren't insured for the 'entertainment industry'..!

Didn't crash it so that was OK.  :lol:

I'm certainly considering specialised insurance. I may have to look into a valuation.