Insurance Question, what goes with instruments?
Xuestor
Jan 20 2009, 04:14 PM
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 Posts: 324
Joined: 16-September 05
From: Sweden
Hey!

First of all, I know this is a issue depending on what country you live in, so I would appreciate if anyone located in sweden could give feedback on this, but all opinions are welcome ofcourse:)

So, as my recent years as a player and collector of guitars, I have laid my hands on a few pretty expensive pieces of gear and guitars. I just wanted to know what covers in regular home-insurances, and what doesn't. Do I need a special "instrument-insurance"?

I know that my insurance company surely know this, but I thought I'd check with you guys first. I'm pretty sure that if I call them and ask if I need some extra insurance, they will not let that moment slip them outta their fingers, and they would tell me to get some unneccessary insurance with high fees.

Thanks!

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Toni Suominen
Jan 20 2009, 04:15 PM
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I don't think there is a special "instrument-insurance", atleast here in Finland. Better to get a second opinion on that though laugh.gif

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MickeM
Jan 20 2009, 04:23 PM
Born of NWOBHM, Moderation Team Leader
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From: Stockholm, Sweden
this is what I belive. For normal gear the usual home insurance goes. Did you buy a collectors item with extreme value you should get a special insurance for that.
About the home insurance, it can be of either "value" (lösöre) or full value (fullvärde) and to not be limited by a set value (like the entire house + 200kSEK) you would go with fullvärde.

Fullvärde on the other hand means your gear will drop in value over time so if you lose a LP that you cought for 18k you will not get back what you gave but f.ex 12k after one year, 11k after two etc.
So to include a valuable 100 year old violine in the home insurance would possibly render it useless.

Some guesses from how I understand my home insurance.

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