Guitar Insurance??

Johnnyb101 · 13-01-2009 08:32PM #1

Hi

I just got a Rickenbacker 4003 and I want to insure it. there are a couple of places that specialise in insuring musical instruments abroad but I cant find any in Ireland.
Does anywhere do it?

Cheers

Red Sleeping Beauty · 13-01-2009 08:38PM

Coincidence, I was just about to make a thread on this subject...

I have no idea where you'd get insurance or what the procedure is. I *think* I recall someone saying you have to provide proof of purchase.

Does anyone know if you can add guitars on to your house insurance ? For some strange reason I get a bit paranoid every now and then at the thought of a break in or fire.

Johnnyb101 · 13-01-2009 08:44PM

I only got the guitar yesterday, but there was a crowd in the us called www.anderson-group.us I emailed them and they said the cover worldwide but I would be a bit wary if I did have to claim in the future because how would they know. Ive no idea who would do it here

Welease · 13-01-2009 08:46PM

Just check directly with your house insurance company.. On ours, if the item was over 2k (iirc) we just had to list it as a high value item and it would be covered. You might also want to check where it's covered, as a previous policy only covered items stolen from our house or vehicle..

Johnnyb101 · 13-01-2009 08:51PM

but if its stolen at a gig or damaged in transport or something it wouldnt be covered under your house policy

Dord · 13-01-2009 09:37PM

I checked this out before and there were too many stupid conditions and it was too bloody expensive. A lot of the companies with Musical Instrument insurance policies won't insure electric instruments or pretty much anything used outside of an orchestra setting.

I wouldn't insure with an insurance company outside the country, it'd just get complicated if anything went wrong.

One thing I would recommend is taking some good photo's of your instrument (inc. the serial number) and keep a few copies of them along with the receipt.

Red Sleeping Beauty · 13-01-2009 09:41PM

Dord, what kind of conditions were there ? How come they won't insure guitars ?

Dord · 13-01-2009 09:45PM

Basically because of the risk. Insurance is all about risk.

I don't have a copy of the conditions anymore, so I can't give you the full rundown.

Red Sleeping Beauty · 13-01-2009 09:53PM

Maybe Xmusic will branch out into the Insurance market

Still curious about the home insurance thing. Must get on to them....

Johnnyb101 · 13-01-2009 10:03PM

that would be nice but im sure we would be ripped off as usual.
its a pity nowhere does it.

freshcream · 14-01-2009 11:12AM

I had several guitars insured seperatly under my home and contents insurance a few years back, the house was broken into while i was in vegas and 3 of 5 guitars I had at that time where stolen, the guitars stood me over 5 grand in purchase value and the insurance paid out 3 grand of that.

I'd had them under my insurance for about 5 years by that time, but it took something like 12 months to resolve the issue and I had to get recipts even though they where down as seperate items on the policy, I haven't bothered insuring any since. I can't remember how much extra it cost but I know it expensive.

Red Sleeping Beauty · 14-01-2009 11:24AM

It took 12months to get it sorted out ?
Holy crap! And you needed reciepts ? I bought my Gibson online but not sure of where the reciept is. I might contact DolphinMusic and ask them would they send me out a duplicate.

What exactly do you do if your guitar is stolen

I know in America you just keep an eye out on Craiglist and geebay and check out all the pawn shops but that doesn't mean you'll get it back :mad:

I suppose there's hope in that Dublin is fairly small and to sell a guitar you've got adverts, buy&sell, gumtree and geebay and then there's the gutiar shops....

freshcream · 14-01-2009 12:34PM

out of the 3 that where stolen I got 2 back one after 4/5 weeks (it was one I took home from the states and was pretty rare at the time) and the other a year and a half later and I found out who took them.

Red Sleeping Beauty · 14-01-2009 12:40PM

What happened exactly ? How did you find them ?

freshcream · 14-01-2009 01:50PM

I live in a small town, he tried to sell the first one to a mate, who took it of him and let me know, I persuaded him to get another one, after several attempt's (in pi$$ poor nick) and I never found out what happened to the last one. He sold it i presume, and whoever he sold it to must have been bigger than me.

By the way the guitars where covered for use outside the home as well.

Guitar Insurance??

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