Insurance is very complicated, and I suggest that a simple assurance that my insurance policies have it all covered may not be the full story.
Please consider the below and make sure you are satisfied.
1) I do maintain the relevant insurances (public liability and goods in transit cover), however the policies are for my benefit; my insurance policies protect me from your claim .
2) I am not a regulated by the Financial Conduct Authority and so cannot sell or provide insurance for your benefit. Instead, should the need for a claim arise, you would claim from me, and I would then look to my insurers to agree the loss.
3) My insurers insist that there must have been a written discussion (of any item valued over £500) to protect us all from spurious claims...imagine the theft or total destruction of the piano, so there is little or no evidence of what was moved.
This discussion then protects you; because I cannot claim afterwards that the piano was of no value, but also protects myself (and my insurer) from a client's exaggerated claim.
4) With an old piano there would be a discussion about its value, and generally,
musical instruments over 4 years old would not be considered to be worth their purchase price. It is not for us to pre-empt my insurers view of any claim.
5) My insurance certificates are posted on my website here. A password is needed which I will be pleased to supply at the appropriate stage in our discussions.
6) I further mention in my terms and conditions that I undertake to personally meet the cost of minor damage caused during the move. This is because insurance is all about excesses and exclusions, and I wish my clients to understand that I take responsibility for any mistakes that I may make.
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