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Author Topic: Insurance  (Read 1076 times)

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Richard Shaul

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Insurance
« on: August 02, 2018, 09:40:45 AM »

Hi, can anybody give recommendations or advice on insurance for melodeons, both at home and out and about for morris or sessions?

Thanks
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Chris Ryall

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Re: Insurance
« Reply #1 on: August 02, 2018, 09:57:24 AM »

I use New Moon, who seem to charge about 0.7% of valye. I'm on the "anywhere policy. I think great Britain might be cheaper. Home only - your house policy may be best
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Lester

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Re: Insurance
« Reply #2 on: August 02, 2018, 09:59:15 AM »

The insurers of choice of many melnetters is Newmoon Insurance.

They cover my boxes both inside, outside and in the boot of my car, additionallly they cover customers boxes when they are with me and also provide £5M PLI for a very reasonable annual fee.

John MacKenzie (Cugiok)

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Re: Insurance
« Reply #3 on: August 02, 2018, 10:04:48 AM »

I use E & L, and find them quite satisfactory

SJ

https://www.eandl.co.uk/musical-equipment-insurance
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Chris Ryall

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Re: Insurance
« Reply #4 on: August 02, 2018, 10:16:02 AM »

Mention melnet @ new moon, thing I get discount.

But anyone should compare quotes. The market isn't large 😉
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Steve_freereeder

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Re: Insurance
« Reply #5 on: August 02, 2018, 10:36:55 AM »

Another recommendation for Newmoon from me. They are very clued up on instruments and easy to deal with.
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baz parkes

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Re: Insurance
« Reply #6 on: August 02, 2018, 11:29:29 AM »

Bryan Jenkins/ Musicians' Insurance worth a look
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JohnAndy

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Re: Insurance
« Reply #7 on: August 02, 2018, 03:24:47 PM »

I use New Moon, who seem to charge about 0.7% of valye. I'm on the "anywhere policy. I think great Britain might be cheaper. Home only - your house policy may be best

Hmmm, that's interesting, I'll have to try Newmoon again at next renewal. I currently use Brass Band Insurance Services / Aviva, who charge a bit over 1% of value, and include cover in car and in venues (provided not left unattended overnight in a non-secure public area). I did get a quote from Newmoon in the past but at the time their quote was not competitive.
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Tufty

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Re: Insurance
« Reply #8 on: August 02, 2018, 03:45:49 PM »

My home contents insurance covers me at home and away, festivals etc. (Yorkshire B.S) instruments up to 15K. You get a global allowance to allocate between sectors eg home electronics, jewellery etc. Not being much for diamond rings or smart phones I am able to prioritise instruments.
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John MacKenzie (Cugiok)

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Re: Insurance
« Reply #9 on: August 02, 2018, 04:22:45 PM »

The one thing that has made me stick with my lot is the cover for instruments left in a parked car. Providing they are hidden from sight that is.

Sir John
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Helena Handcart

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Re: Insurance
« Reply #10 on: August 02, 2018, 04:31:51 PM »

The one thing that has made me stick with my lot is the cover for instruments left in a parked car. Providing they are hidden from sight that is.

Sir John

Same with Newmoon. I find that a really useful option.
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Rob Lands

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Re: Insurance
« Reply #11 on: August 18, 2018, 06:09:57 PM »

phoned Paul Crump at New Moon re insuring my daughters collection of instruments when she goes to Uni. The insurance cost is based on the type of instrument for example a Sax is more expensive than a violin by value as there are more levers etc to break accidently. There also worldwide and UK only policies. But based on the overall value being insured the premium is likely to be 0.76 to 1.0 as previously mentioned. For me the critical difference between bespoke and household insurance coverage would seem to be the forced entry clause and coverage when stored away from home.
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Thrupenny Bit

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Re: Insurance
« Reply #12 on: August 18, 2018, 09:58:28 PM »

As an alternative view:
I use M&S home insurance, and their better policy offers 'anywhere outside the home' which can be your back garden through to a foreign place, and un-named items up to £4K value.
Useful as I don't need to get items valued for insurance purposes.
Just another option...
Q
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