Thought I'd update my comments on this thread. I've been investigating a bit further now I'm taking the concertina out more & it's interesting what your home insurance doesnt tell you unless you ask.
I've already posted that I had to ask before I was told there was a lower limit than the value of my concertina if left in the car. I haven't been happy to leave the box in the car anyway as I like to keep my eye on it. However, I had a good discussion with the guy at Newmoon after getting a quote online today & learned a lot more.
For instance:
- many house insurances iinsure for theft from the home,. but their definition may require it to be forced entry/evidence of act of aggression against the property in breaking in.
- household insurance may not fully cover if you drop your instrument whilst transporting it, eg. to your car.
- household insurance may not fully cover if you loan it to someone in a club & they drop it!
- household insurance won't may not cover where the box is held in premises where the security of those premises are outside of your control (eg. a hotel, bar, etc.
I was saddened to see someone had had their concertina stolen from under the table they were dining at in a restaurant & it really brought it home tpo me how vigilant we need to be. The loss of a vintage box is far more than the financial value, but to lose the finances as well when it could be covered....well I decided to go ahead!!
As a matter of interest, my insurance has cost just under £60 & I calculated this was a reasonable price considering all of the above is covered with no excess. I feel a lot happier now...& I've got some refund on the house insurance whrn cancelling it!!