Do you insure your guitars?

Hootsmon

do you insure over and above your home contents insurance?

Lestratcaster

Yes via Allianz.

stratman3142

Lestratcaster said:

Yes via Allianz.

Same here, with Allianz

Phil_aka_Pip

No. IIRC my inn-sewer-ants requires notification of any item valued at > £2,5k and the rest is bundled as "contents"

not_the_dj

Yes, I gig so it's a must for me as they won't be covered on my home/contents insurance.

sweepy

Covered on my New for Old home insurance policy up to £2.5k no excess

Hootsmon

Guys I need a quote for a house rebuild cost for insurers (1st time buyer here) would the free online quote/calculations be adequate for the job?

JohnnyPlectrum

Yes. Those I gig have their own insurance. Those I don't can stay as specified items on the house insurance.

steveb

Just wondering, would they be covered on house insurance if they were kept in an outdoor building?? I.e. a music shed??

Limehouse_Blues

A couple of more valuable ones are individually listed on my contents policy 

spark240

Can someone give me a clue to the insurance cost per X value guitars? 

not_the_dj

spark240 said:

Can someone give me a clue to the insurance cost per X value guitars? 

Allianz and Musicguard have online forms for fill on to get an instant quote. 

spark240

Yeah I dd get a quote from Allianz once but it seemed very high....just wondering what sort of value people are insuring for and what premiums, I mean are you talking high hundreds ( premium) ?

Fretwired

Yes.

Bellycaster

spark240 said:

Can someone give me a clue to the insurance cost per X value guitars? 

@spark240 ;

My Allianz insurance premium costs me about £300 a year or a bit less, and that is to insure £10K+ of equipment. Most is premises only, but some is "UK Wide and Unattended Vehicle".

In my experience they seem to value Guitars more than amps and expensive pedalboards etc. The cost is more to cover a Guitar outside of premises than an Amp Cab or even an Amp.

Gives you an idea of what they'll charge you though.

p90fool

Yes, with Musicguard, because all the expensive stuff gets gigged. 

I'm not particularly attached to any of my at home gear, general contents would be fine for me if the place burnt down. 

BigMonka

sweepy said:

Covered on my New for Old home insurance policy up to £2.5k no excess

New for old, so they’ll give you a nice shine 2017 LP Standard if your ‘59 Burst gets stolen? ;-)

usedtobe

Don’t have anything worth over 500 notes, or even upto 500, so covered with contents insurance. Don’t gig...

crunchman

Covered at home on contents policy.  When I looked at a specialist scheme I decided not to bother.

I have lots of guitars, but I wouldn't normally take more than 2 or 3 out of the house in one go.  Worse case, I lose those, but I still have other ones that I could use.  Given the cost of the premiums, I've probably saved £5k (maybe more) over the years by not getting specialist insurance.

axisus

Hmmnnnnn ......... my 3 home made guitars are priceless to me, maybe I should get them listed on my house insurance as specific items and stick some kind of value on them

crunchman

axisus said:

Hmmnnnnn ......... my 3 home made guitars are priceless to me, maybe I should get them listed on my house insurance as specific items and stick some kind of value on them

You may not need to list them specifically.  It does depend on the policy.  I checked with my home policy, and as long as the total value doesn't exceed the value of the policy they were ok.  Other policies I've had in the past have wanted items over £1.5k in value to be listed.