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Old 25th April 2012 , 09:00 AM
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As if I don't have enough problems with my PC just now, something else has happened to kick me some more.

I'm at work and my partner has just called me to tell me an acousic panel has fallen off the wall right into my guitar rack stand. Of course only the 2 most expensive guitars i own are damaged. The 2 cheaper ones are unscathed. The Gibson and brian may both have chips. I swear to god i could fkin cry! I worked so damn hard to save up for them. They may not be am9 awful lot to some people but they are to me.

Anyway, i am insured for my music gear but my question is, am i likely to get a claim? Wont they deem the panel being there as my fault? Im not at home to check my policy but just wondering what you guys thought? Anyone with any experience making claims?
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Old 25th April 2012 , 10:02 AM
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I would have thgought this would clearly come under "accidental damage". My gut feel is that you should be covered, but, as ever, you'll need to read the fine-print! Fingers crossed for you
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Old 25th April 2012 , 11:04 AM
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I can't be sure that accidental damage will be covered in your insurance cover. However I know a place not far from you in Glasgow you can have them fixed at reasonable prices too, do a quick search for Jimmy Moon.




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Old 25th April 2012 , 11:46 AM
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I'm certain my insurance covers accidental damage. I'm insured with music guard. I'm also pretty certain i chose the option of having to pay zero excess but i'll have to double check. I phoned a local independent music store who also do repairs and they said any repair would simply be a patch up and wouldn't be invisible. Is that right? So what ever way you cut it, the guitars have lost value as they will always be damaged.

I'm starting to think i may as well just leave it as it's only a few small dinks but a couple have broken through the paint. It's just really annoying as i take great pride in looking after my instruments and gear and 2 of my best Guitars having slight cosmetic damage will really irritate me. I'll contact my insurer later but I'm guessing they would only offer a repair at best anyway so i still lose the value anyway.

I know they aren't exactly vintage but i kept them Pristine. Totally gutting.
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Old 25th April 2012 , 11:59 AM
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Quote:
Originally Posted by Piano View Post
I phoned a local independent music store who also do repairs and they said any repair would simply be a patch up and wouldn't be invisible. Is that right? So what ever way you cut it, the guitars have lost value as they will always be damaged.
That is exactly the worry I had when I read this thread. I have no experience of having this kind of repair work done but I imagine one place will do a neat and tidy patch up job while another more specialist place will do an invisible repair.
I just did a quick search and found this guy in Reading. I reckon he is the kind of repair dude you are looking for. I am sure there are similar guys closer to you in Scotland.
http://homepage.ntlworld.com/julian.mullen/Repairs.htm
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Old 25th April 2012 , 04:05 PM
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Quote:
Originally Posted by Piano View Post
I'm certain my insurance covers accidental damage. I'm insured with music guard. I'm also pretty certain i chose the option of having to pay zero excess but i'll have to double check. I phoned a local independent music store who also do repairs and they said any repair would simply be a patch up and wouldn't be invisible. Is that right? So what ever way you cut it, the guitars have lost value as they will always be damaged.

I'm starting to think i may as well just leave it as it's only a few small dinks but a couple have broken through the paint. It's just really annoying as i take great pride in looking after my instruments and gear and 2 of my best Guitars having slight cosmetic damage will really irritate me. I'll contact my insurer later but I'm guessing they would only offer a repair at best anyway so i still lose the value anyway.

I know they aren't exactly vintage but i kept them Pristine. Totally gutting.



It's a real shame when things like this happen mate I feel for you. I know it's no consolation though, it happens, especially if your gigging regularly and it's even worse if you have to use airfreight.




Quote:
Originally Posted by saxman View Post
That is exactly the worry I had when I read this thread. I have no experience of having this kind of repair work done but I imagine one place will do a neat and tidy patch up job while another more specialist place will do an invisible repair.
I just did a quick search and found this guy in Reading. I reckon he is the kind of repair dude you are looking for. I am sure there are similar guys closer to you in Scotland.
http://homepage.ntlworld.com/julian.mullen/Repairs.htm


Absolutely spot on Saxman the very reason I gave him the name above (invisible repairs). I've had Jimmy do work on a couple of my guitars one in particular which had been dropped had quite a crack from head stock to a good 5 inch down the neck, a week or so with Jimmy you would never have known. I didn't link directly since Jimmy makes his own guitars and since DV don't have any listed I felt they might regard it as posting a competitor. To be honest I'm surprised he hasn't already heard of him as the list of buyers for his instruments/repair work is extremely impressive.


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Old 25th April 2012 , 05:05 PM
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On the one hand, sorry to hear you are upset about it but on the other hand... meh. Guitars are for playing IMO. Some of my most beat up guitars sound the best. Does the fact it has a chip make it sound less good? Course not. You still have a pair of awesome guitars. Enjoy them and try not to worry too much about it.
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Old 25th April 2012 , 06:57 PM
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Quote:
Originally Posted by TrevCircleStudios View Post
On the one hand, sorry to hear you are upset about it but on the other hand... meh. Guitars are for playing IMO. Some of my most beat up guitars sound the best. Does the fact it has a chip make it sound less good? Course not. You still have a pair of awesome guitars. Enjoy them and try not to worry too much about it.
Yeah I know what you mean mate, it's just the thought of something I've worked hard to get being damaged that gets to me. I got home earlier and had a look at the damage. Thankfully it's not as bad as i first thought. A dink in the back of the BM and a small dink on the front edge of the Gibson. The gibson is a slightly worn finish so the mark on it actually kinda blends in with the finish. The BM is laminated, the dent in that is a little bigger but is on the back. Kinda sharp edged dent but nothing too major.

Apart from that they're absolutely fine. It just annoys me because i really do like to look after things. Probably not worth bothering with the insurance. Only really minor cosmetic damage.

It will still annoy me but hey ho.
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Old 26th April 2012 , 01:20 PM
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If they are just minor dings then I'm with Trev - don't sweat it.

If the damage actually rendered the guitar temporarily unplayable, that's a different story. Then I would think about getting insurance involved. But it seems to me that what may end up being minor cosmetic repairs may have a huge impact on your insurance premiums, zero excess or not!

Anyway, some people seem to like paying extra for previously beat-up guitars. Have a look at Fender's Custom Shop Relics and Mexican Road Worn series...
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