YourBigEvent 0 Posted November 10, 2003 Report Share Posted November 10, 2003 Just called my insurance company regarding my cover, only to be told when it runs out they will not cover me at all, have called a few others and they aren't intrested, and as I keep my kit in the garage this is not covered either, BUT they would insure me for the kit when I got to the venue but before I set up, in other words the five minutes I am out of the van to open the stage door from the inside. .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
ChrisPointon 0 Posted November 10, 2003 Report Share Posted November 10, 2003 Seems like the policies (pardon the pun) of the insurance companies are changing. My own policy with the C.I.S has increased by £45, which I thought was bad, until I read the posts here. Sadly C.I.S now only offer this service to existing customers who had the bulk of their business already placed with them (Home, Car, Pension etc) http://www.dj-forum.co.uk/html/emoticons/sad.gif . One tip:- Instead of insuring your gear with a dedicated Music / Disco related insurer go for the all risk's policy for a small business. This is the type of blanket cover insurance which offers PLI to plumbers, Electricians, Builders, Window Cleaners etc against electrocuting or dropping heavy stuff onto their clients http://www.dj-forum.co.uk/html/emoticons/smile.gif . It seems like the policies offered by dedicated companies come at a price - maybe because they are under the impression that they are irreplaceable http://www.dj-forum.co.uk/html/emoticons/221.gif . Talk to your local independant high street broker face to face and ask them for business insurance which includes PLI and is tailored to suit a mobile entertainer, you may be surprised at how helpful they are. Avoid the large companies with 0800 numbers and call centre and aim for the family firms who are more anxious to clinch new business. After all, we are less likely to have a a claim than the average mobile hairdressor, or Dog Groomer or mobile bar / caterer who also have to have a business policy cover - yet we are expected to pay three times the premium. Interesting to see that Mikee's insurers have not yet signed up and taken part in this discussion. I'm going to have a chat with another member on this board - Josh (McCardle), whom I know locally, since I know that he has arranged his cover from a local broker based in Alderley Edge. If this broker is willing to offer the same level of cover that he offers to Josh at a similar price, then I will guarantee that he'll get a hell of a lot of business on here http://www.dj-forum.co.uk/html/emoticons/smile.gif . The main problem is seeing whether, being local, he is equipped to handle policies from customers by phone / mail. Link to post Share on other sites
YourBigEvent 0 Posted November 10, 2003 Author Report Share Posted November 10, 2003 Very rarely do I use the YP to look for 'things', including my insurances, I would not call an 0800 number, but have tried my local agent, and my home insurance company to no avail, hopefully your man will come up trumps. .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
Sir_Toby 0 Posted January 10, 2004 Report Share Posted January 10, 2004 I would like to raise this issue again. If Im going to buy all this equipment, I dont really want to have it all stolen first big gig I go to. How much are we talking about £100s? £1000s or just 50 qiud (please be £50) On kinda the same topic how much is PLI? Im onyl going to be running a smallish set up, I dont know if that changes anything. Thanks Toby Link to post Share on other sites
Steve 0 Posted January 11, 2004 Report Share Posted January 11, 2004 As a very rough guide I have £4000 worth of equipment insured which to be honest needs updating as its been at this level for the past 2 yrs, but anyway for this value I pay just under £10 p/month. Dont have the policy to hand at the mo as its with all the setup but I know the cover is £1.25m Hope that helps Steve Link to post Share on other sites
High Fidelity 0 Posted January 11, 2004 Report Share Posted January 11, 2004 QUOTE as I keep my kit in the garage Is your garage heated? I keep most of my gear in the garage except for the speakers because I worry about the cones getting damp. Quitting Smoking & Drinking doesn't make you live longer It just feels like it. Link to post Share on other sites
tntdisco 0 Posted February 2, 2004 Report Share Posted February 2, 2004 (edited) my kit has been stored as is, in its trailer, in the garage for over 8 years and i have never once had a problem with damp speaker cones. when i recently moved house i noticed that the cds were always moist with condensation and the screws etc on equipment were going rusty where the paint had been scratched off. so i invested £100 in dehumidifier which runs on a timer (2 hours on 2 hours off) and produces about 5 litres of water every couple of days. I can only suspect that at my last garage i had a chest freezer with acted like the dehumidifier via its condensing elements. Occasionally i have had problems with dampness on sensitive circuit boards in intellegent lighting - so i now keep the lighting controls, amps and CD decks etc, in the house. The only problem with the lights is i have to ensure they are kept clean as the dust clogs up the circuit boards etc. if it is damp. But as yet i have only had one light fail due to shorted circuit board covered in damp dust - and that cost a few pounds to fix. The advantage of just being able to open the garage door, attach the trailer and drive off to the gig far outweighs the disadvantages. As for insurance - all policies i have enquired about cover the equipment stored in the garage as long as the trailer is secure (wheel clamps or chains etc) and the trailer door is secured with a 5 pin padlock. I also have the garage secured with 5 lever locks etc on the pedestrian door and a shed alarm - but this isn't an insurance requirement. Edited February 2, 2004 by tntdisco Link to post Share on other sites
YourBigEvent 0 Posted February 19, 2004 Author Report Share Posted February 19, 2004 Ok on DISCO insurance the best so far is for cover of my gear including in my van (along as it has an alarm and immobilizer) is £3/£100, or £30/£1000 or £300/£10000 for VAN insurance, this is a little different by I have had several different quotes, bearing in mind my details are Vauxhall Astra van 1.7D 1994 covering 20,000 miles p.a. with 7 years NCD Protected Fully Comprehensive, age 36 with my wife covered too with BUSINESS use for a MOBILE DJ AND Delivering wedding cakes Cheapest is £270, most expensive is £540 !! Will post info later if I cannot beat the quotes As for PLI I haven't styarted looking yet, anyone able to help on this one, need £1m/£2m/£5m and £10m please .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
ChrisPointon 0 Posted February 19, 2004 Report Share Posted February 19, 2004 QUOTE Cheapest is £270 Yes but from whom!!. My lowest is currently £560 http://www.dj-forum.co.uk/html/emoticons/533.gif http://www.dj-forum.co.uk/html/emoticons/wallbash.gif Highest £1459 - (Yeah! when hell freezes over!) Link to post Share on other sites
jackwabbit 0 Posted February 19, 2004 Report Share Posted February 19, 2004 QUOTE (Chris_Pointon @ Feb 19 2004, 11:57 AM) QUOTE Cheapest is £270 Yes but from whom!!. My lowest is currently £560 http://www.dj-forum.co.uk/html/emoticons/533.gif http://www.dj-forum.co.uk/html/emoticons/wallbash.gif Highest £1459 - (Yeah! when hell freezes over!) I’d like to know the answer to this as well my son's cheepest quote £3000 for a £1000 escort van, he's 19 with a full licence for the last 2 years driving his mothers car all that time. Link to post Share on other sites
YourBigEvent 0 Posted February 19, 2004 Author Report Share Posted February 19, 2004 OK then £295.02 is at A Quote insurance on 0870 444 6333 £317.10 is at Direct Line on 0845 246 8822 The rest are in the bin....... .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
jackwabbit 0 Posted February 19, 2004 Report Share Posted February 19, 2004 QUOTE (ADS Entertainments @ Feb 19 2004, 12:14 PM) OK then £295.02 is at A Quote insurance on 0870 444 6333 £317.10 is at Direct Line on 0845 246 8822 The rest are in the bin....... Thanks ADS, Next time we get offered a cheep van or car we’ll give them a try. http://www.dj-forum.co.uk/html/emoticons/thumbup.gif Link to post Share on other sites
YourBigEvent 0 Posted February 19, 2004 Author Report Share Posted February 19, 2004 BTW These quotes are for paying for the 12 months on one cheque, you can pay by DD but you pay a little more. I am staying with Direct Line.... .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
tntdisco 0 Posted February 19, 2004 Report Share Posted February 19, 2004 what did this mean - "£3/£100, or £30/£1000 or £300/£10000" - sorry if looking a bit thick :-( - i assume £300 for £10000 of cover. But this seems pricey. E&L are cheaper, MusicGuard.co.uk are about the same. E&L insure the CDs while MusicGaurd don't (unless you lose them all). Link to post Share on other sites
ChrisPointon 0 Posted February 19, 2004 Report Share Posted February 19, 2004 QUOTE my son's cheepest quote £3000 for a £1000 escort van, he's 19 with a full licence for the last 2 years driving his mothers car all that time. The main problem here is age. Under 21, and you can expect insurance to run well into four figures, 21- 24 and its still looking grim. I'd agree that insurers tend to look at statistics and pidgeon hole everybody into one little box, and he may be the most careful driver in the world but if he's under 25 - basically its silly money and party time at the brokers http://www.dj-forum.co.uk/html/emoticons/rolleyes.gif . I stayed on my Fathers insurance until I was 21, even back then insurance was a small fortune. Once I hit 21, I took out a policy in my own name, but the drawback then was even though I had never made a claim, I had no NCB to show for it - having just been a named driver. Hmmm, I want to be 36 http://www.dj-forum.co.uk/html/emoticons/sad.gif Direct Line have just quoted me £512 - cheap-ER but not exactly the bargain you got - Torquay must have a zero crime rate, and probably little chance of a claim with all of those pensioners crawling around at 15 mph. Link to post Share on other sites
YourBigEvent 0 Posted February 19, 2004 Author Report Share Posted February 19, 2004 I like Torquay................. .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
jackwabbit 0 Posted February 19, 2004 Report Share Posted February 19, 2004 QUOTE (ADS Entertainments @ Feb 19 2004, 02:49 PM) I like Torquay................. Aahhh Torquay................. The English Riviera http://www.dj-forum.co.uk/html/emoticons/biggrin.gif . . . . . . This was the only place in over 40 years of having holidays in the UK where it rained day & night for the whole time we were there. http://www.dj-forum.co.uk/html/emoticons/wallbash.gif After 2 weeks of constant heavy rain, I swore I was going to stop one night & re-plant the roundabout so it read. . . . . . . . . . . . . . . . . . . . . . . The English Rainy Area. http://www.dj-forum.co.uk/html/emoticons/nono.gif Link to post Share on other sites
YourBigEvent 0 Posted February 19, 2004 Author Report Share Posted February 19, 2004 I think Chris could save over £150 by just moving to Torquay, but the cheapest house in our village, a one bed small cottage has just been sold for over £160,000 alittle more expensive than Congleton ? .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
C.S 0 Posted February 19, 2004 Report Share Posted February 19, 2004 I like Torquay too despite the emmits http://www.dj-forum.co.uk/html/emoticons/biggrin.gif I will try anything,once! The Cornish will arise again ! Manager of the Andy Harris Fan Club. Keep pasties Cornish Link to post Share on other sites
ChrisPointon 0 Posted February 20, 2004 Report Share Posted February 20, 2004 http://www.dj-forum.co.uk/html/emoticons/censored.gif NOT HAPPY http://www.dj-forum.co.uk/html/emoticons/188.gif Just entered my details into a quote engine for a certain large insurance company. With my correct postal code, the quote for a VW TDI Caddy Van for D.J''ing and carrying own goods with myself and a named driver (both with full NCB and clean licenses) was £512 for Fully comp cover. However, if I keep exactly the same details and enter in Andy's postal code for his address in Torquay - the quote magically reduces to £368.73. Insurance companies and residents of Torquay have now just gone straight to the top of my list of most hated people. Link to post Share on other sites
The Spindoctor 0 Posted February 20, 2004 Report Share Posted February 20, 2004 But Chris surely you've just answered your own problem?????? You make Andy the 'registered keeper' and get him to insure it and you remain the 'registered owner'. .............. and best of the lot is its not illegal!! Its just playing them at their own game! Spin Link to post Share on other sites
kazzachi 0 Posted February 20, 2004 Report Share Posted February 20, 2004 Now that is what I call a good idea sin! Do a post code check everyone, see which area is classed as lowest risk - then just ask a friend on dju if you can register your vehicle in their name and voila! Cheaper insurance all round! WE LOVE KAREN, AND IT'S GREAT TO HAVE HER BACK !!!! xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Link to post Share on other sites
ChrisPointon 0 Posted February 20, 2004 Report Share Posted February 20, 2004 LMAO http://www.dj-forum.co.uk/html/emoticons/071.gif Spin, I had you down for being a straight down the line kind of guy....now you've gone and burst that bubble of illusion http://www.dj-forum.co.uk/html/emoticons/014.gif . I can't believe that i'm even going to try this but here goes......(Where's Andy when you need him!!) Link to post Share on other sites
YourBigEvent 0 Posted February 20, 2004 Author Report Share Posted February 20, 2004 I could be the only self employed DJ with 1476 vans !! http://www.dj-forum.co.uk/html/emoticons/rolleyes.gif .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
ChrisPointon 0 Posted February 20, 2004 Report Share Posted February 20, 2004 and a slight problem.... I've just re-done the quote assuming that Andy wants to be the owner of a van he's never seen http://www.dj-forum.co.uk/html/emoticons/rolleyes.gif . However the quote comes back at the original £512, despite the registered owner having a swift move to Torquay. I'm guessing that it has something to do with... QUOTE What is the postcode of the address of where the vehicle is parked overnight?. Of course this would my own address http://www.dj-forum.co.uk/html/emoticons/wacko.gif - so I think that is where the actual quote address is taken from - the area in which th vehicle is usualy kept, rather than where the owner resides. The http://www.dj-forum.co.uk/html/emoticons/censored.gif have got it covered from all angles. Link to post Share on other sites
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