Looking For Cheap Insurance!

[McBridge]

hello guys, i'm sorry if does'nt fit this topic on this forums, i'm just seeking for Help... i'm due this august. any recommendations on what insurance to go through and what are you paying? i've checked on http://www.insurancepaylite.com and i was given quotes from different insurance company. the cost was ok, but i want to know if there are any more out there who could give out something more affordable. hope u guys gonna help me.. thank you so much.

[Woody]

hello guys, i'm sorry if does'nt fit this topic on this forums, i'm just seeking for Help... i'm due this august. any recommendations on what insurance to go through and what are you paying? i've checked on http://www.insurancepaylite.com and i was given quotes from different insurance company. the cost was ok, but i want to know if there are any more out there who could give out something more affordable. hope u guys gonna help me.. thank you so much.

 

I'm in the UK and I got my insurance through Allianz Cornhill at what seemed a reasonable price. My cover even includes when travelling anywhere abroad, theft from car, and accidental damage.

 

- W

[Chris Allert]

post removed due to rememberance of BigYin fiasco a while back.

 

topic starter looks like spam to me, but maybe it isn't.

Edited July 12, 2006 by Chris Allert

[Woody]

Edited by Woody to remove content as no longer relevant.

Edited July 12, 2006 by Woody

[Chris Allert]

removed due to misunderstanding.

Edited July 12, 2006 by Chris Allert

[Woody]

 

Eh? This response would make sense if I was going out buying fake goods and being scammed, but in the context of my post it just seems as if you are trying to deliberately insult me for no apparent reason. Have I somehow given you cause for offence?

 

sorry woody, i replied to the wrong message. i've corrected my original post. every forum i'm on has been getting a lot more spam in the past month and it's getting more subtle and taking longer to get deleted. but reading my post again, it is beginning to look like i'm on a witch hunt.

 

Thanks Chris,

 

I'll remove my post resonding to yours

 

regards

 

Woody

[Richard Morse]

any recommendations on what insurance to go through and what are you paying?

I have my instruments listed on my Homeowner's policy which costs about $25 for thousands of dollars worth of instruments. I understand that a person can get a similar policy extention with Tenant's insurance (for those that rent rather than own a house).

 

I live in the US, and this seems to be a common addition to abode insurances. I don't know about other countries.

[Geraghty]

The fact that the poster says s/he is "due this august" makes it sound like a request for medical insurance to cover pregnancy and thus probably spam, but maybe s/he is talking about a maker's waiting list or something.

[Chris Allert]

The fact that the poster says s/he is "due this august" makes it sound like a request for medical insurance to cover pregnancy and thus probably spam, but maybe s/he is talking about a maker's waiting list or something.

 

that's what i thought at first. but i am very attached to my concertinas, and it's hard not to think of them as next of kin. maybe not offspring, precisely, but at least as adopted children. and they do tend to sound more pleasant the longer you've had them, and the more attention you give them, even if they are a little cranky when you first get them as newborns.

[JimLucas]

The fact that the poster says s/he is "due this august" makes it sound like a request for medical insurance to cover pregnancy and thus probably spam, but maybe s/he is talking about a maker's waiting list or something.

Health insurance, eh? Here I was just thinking that August was the due date for renewing their insurance policy.

[Stephen Chambers]

The fact that the poster says s/he is "due this august" makes it sound like a request for medical insurance to cover pregnancy and thus probably spam, but maybe s/he is talking about a maker's waiting list or something.

Health insurance, eh? Here I was just thinking that August was the due date for renewing their insurance policy.

Well August with a capital A is a month, but with a small a it's a kind of white-face clown ...

 

So maybe this poster is owed a clown?

Edited July 12, 2006 by Stephen Chambers

[asdormire]

actually, I have been thinking about redoing my renters policy, as we have added a lot of instruments around here that haven't went onto the policy. After reading Richard's post, I am thinking I have a fairly good deal, as we are only paying around $6 a thousand on the instruments as a rider. The firearms are more, but still not quite that high. I wouldn't mind doing some cmparisons.

 

Alan

[Bruce McCaskey]

Although the original post isn't entirely clear as to its intent, this thread raises a good point.

 

I wonder how many of us aren't appropriately covered for theft of our instruments out of our homes? And are we covered for instrument theft from our cars? I've never declared my instruments to my insurer, and considering the matter now, I can just imagine how my report of theft might be accepted.

 

"You had how many of these odd little accordions? And you claim they were worth how much?"

 

I think I'm going to have to have a conversation with my agent in the near future to determine just how things stand with them, and what proof or declaration they might want in advance of any theft claim from home or auto.

 

Edited to add: Looking at the thread again I realize it doesn't really fit in this branch of the forum - maybe it'd be a better fit in the "General" area?

Edited August 18, 2006 by Bruce McCaskey

[AnnC]

I'm in the UK and I got my insurance through Allianz Cornhill at what seemed a reasonable price. My cover even includes when travelling anywhere abroad, theft from car, and accidental damage.

 

- W

 

I'm with them too, touch wood I've never had to claim but they've always been very good about raising the 'sum insured' figure to reflect the increasing cost of replacing the instrument and you talk to a person in this country, not someone in a call centre in far flung foreign parts. I insured my concertina with them as soon as I got a final delivery date and like Woody my cover includes theft from a car, while abroad and accidental damage.

I did think of putting it on the house insurance but when I looked at the pros and cons having a specialised insurers, although more expensive, was much the better as it covered more eventualities.

[nalzalk]

im meeting with a insurers, today, i been talking with them all day.

just laugh when i saw this.

man you guy cover all over the spetrum about concetina

[Jim Besser]

One point to consider: in the U.S., many insurance companies won't pay homeowners insurance claims on musical instruments if they are used commercially.

 

And the companythat writes my homeowners insurance defines that as earning ANY money from playing. Since I do, I talked to my agent and found an all-risk commercial policy; for about $100year, all my instruments are covered for all hazards.

 

THe point here: don't assume you're covered by standard insurance. There are tricky rules for musical instruments. Talk to your agent.

[hjcjones]

One point to consider: in the U.S., many insurance companies won't pay homeowners insurance claims on musical instruments if they are used commercially.

 

I had the same problem in the UK. I pointed out to my household insurers that, whether or not I'm being paid, the instruments will be taken out of the house and played - that's what they're for, and that's what "all risks" cover is for, but they wouldn't have it. So I now have the instruments I play for money insured through a specialist (www.musiciansinsurance.co.uk) which includes theft from a vehicle, and my other instruments which I play only on a non-professional basis are on the household policy.

 

It's a nonsense really, especially as the instruments are probably at greater risk when I take them out non-professionally, but common sense doesn't seem to apply to insurance!

[Paul Read]

One point to consider: in the U.S., many insurance companies won't pay homeowners insurance claims on musical instruments if they are used commercially.

 

And the companythat writes my homeowners insurance defines that as earning ANY money from playing. Since I do, I talked to my agent and found an all-risk commercial policy; for about $100year, all my instruments are covered for all hazards.

 

THe point here: don't assume you're covered by standard insurance. There are tricky rules for musical instruments. Talk to your agent.

 

Jim,

Who is the company?