Contents insurance

[pedro01]

Hi

 

My son just moved out to an apartment close to University. He recently took his drum kit and other musical equipment with him.

 

The drumkit cost over $300k, Other stuff around $100k - I contacted an insurer here who said max was 100k in total - which ain't much use.

 

Now- I can already see there will be 3 type of posters here:
1 - why would you pay that much for a drumkit, is it a BMW - ya de ya de ya. For those of you - go have a kid that's been playing drums for 13 years, plays multiple instruments, sings like an angel and writes and produces his own music and see how you feel about getting him a pile of crap.
2 - Those with musical interests that might want to know about the kit
3 - Those with general advice about specialist insurers

 

If you are in group 1. Do me a favor - don't force me to make you look like a bumbling idiot on here.

 

Thanks

 

With love

 

Pete

 

 

[Etaoin Shrdlu]

Hi Pete,

 

I'm not aware of any specialist insurers in Thailand. The market here is still not very well developed and most insurers only offer standardized products.

 

You will probably be limited to whatever maximum limit for personal property can be provided under a standard renter's insurance policy. Some insurers may be willing to provide higher limits, however. 

 

You've already found that this is a non-standard type risk for Thai insurers and may be difficult to insure. My suggestion would be to use a good insurance broker who can try to find a solution.

 

Good luck.