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Comments
I've only ever claimed for accidental damage (Gibson headstock fail), but they covered the repairs plus depreciation in value.
When I was younger it never occurred to me I could get this kind of insurance, and I’d probably have gone to a bigger insurer who’d have charged a lot more.
Back in the 90s my band had a Monday night residency in a bar in the Hilton in Glasgow. We always went clubbing after the gig and I always without exception took my stuff home first (once I’d found a cab driver who’d take a 4x12..). The rest of the guys got complacent and started leaving their gear behind the bar in the hotel service corridor, until the singers guitars went missing between Monday night and Tuesday lunch time. We thought a hotel like the Hilton would have trustworthy staff...
I hate to sound sanctimonious, but if you're doing this at a professional level and your gear is uninsured, you are playing with fire. And if you leave it all unattended in a van in Mile End, you really shouldn't be surprised when it goes missing.
For what it's worth I once turned down the opportunity to go home with a girl after a gig because I would have had to leave my gear in my car outside her flat. Not very rock'n'roll, I know.
"Take these three items, some WD-40, a vise grip, and a roll of duct tape. Any man worth his salt can fix almost any problem with this stuff alone." - Walt Kowalski
"Only two things are infinite - the universe, and human stupidity. And I'm not sure about the universe." - Albert Einstein
I feel bad for those guys, a hard lesson.
Sorry, but 'naive' is a very polite way of putting it. Abandoning all the tools of your trade to the denizens of Tower Hamlets is just lazy and stupid.