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  • FIRST POST
    • gsxr1000
    • By gsxr1000 17th Jun 19, 10:24 AM
    • 7Posts
    • 0Thanks
    gsxr1000
    Want to insure sewing machine
    • #1
    • 17th Jun 19, 10:24 AM
    Want to insure sewing machine 17th Jun 19 at 10:24 AM
    My wife wants to insure an expensive quilting machine which will be on loan from a Community Interest Company. It's not a charity - people voluteer to make quilts for donation to sick babies/infants in hospital. Our house insurer refuses to cover it, and I've had a quote for ~300 which is plain silly as she is only making quilts in her front room. Anyone any ides? The CIC won't loan the machine unless they have proof it's insured.
Page 1
    • a.turner
    • By a.turner 17th Jun 19, 10:50 AM
    • 623 Posts
    • 257 Thanks
    a.turner
    • #2
    • 17th Jun 19, 10:50 AM
    • #2
    • 17th Jun 19, 10:50 AM
    Have you phoned any brokers?
    • Aylesbury Duck
    • By Aylesbury Duck 17th Jun 19, 11:47 AM
    • 4,064 Posts
    • 5,466 Thanks
    Aylesbury Duck
    • #3
    • 17th Jun 19, 11:47 AM
    • #3
    • 17th Jun 19, 11:47 AM
    As above, try a broker, but on the broader point, why are the CIC not insuring it themselves? Whoever they lend it to is going to face the same problem so it would seem sensible for them to insure it on and off their premises, including for damage in transit. It seems a bit mean to expect people to donate their time and effort AND pay to insure the equipment they need to do it.
    • gsxr1000
    • By gsxr1000 17th Jun 19, 1:55 PM
    • 7 Posts
    • 0 Thanks
    gsxr1000
    • #4
    • 17th Jun 19, 1:55 PM
    • #4
    • 17th Jun 19, 1:55 PM
    Have you phoned any brokers?
    Originally posted by a.turner

    Not yet. I was so gobsmacked at the difficulty and cost when she's doing this for free.
    • gsxr1000
    • By gsxr1000 17th Jun 19, 1:57 PM
    • 7 Posts
    • 0 Thanks
    gsxr1000
    • #5
    • 17th Jun 19, 1:57 PM
    • #5
    • 17th Jun 19, 1:57 PM
    As above, try a broker, but on the broader point, why are the CIC not insuring it themselves? Whoever they lend it to is going to face the same problem so it would seem sensible for them to insure it on and off their premises, including for damage in transit. It seems a bit mean to expect people to donate their time and effort AND pay to insure the equipment they need to do it.
    Originally posted by Aylesbury Duck
    Thay don't have 'money' as far as I can tell as everyone donates time and material for free. Who bought the machine originally, don't know. We will be emailing them for advice.
    • ashe
    • By ashe 17th Jun 19, 3:11 PM
    • 635 Posts
    • 455 Thanks
    ashe
    • #6
    • 17th Jun 19, 3:11 PM
    • #6
    • 17th Jun 19, 3:11 PM
    I'd assume this comes up every time and you wife cant be the first?

    Id be wary of any charity that doesn't have 'any money' - lots of charities are lean but they generally are ran with a view to covering costs and donations etc. Read their report on charity commission. Lot of people will donate time and material for free, but assume they have other costs which also need to be met and must get donations or grants. i.e who bought the expensive machine?
    • Jackmydad
    • By Jackmydad 17th Jun 19, 4:21 PM
    • 6,485 Posts
    • 20,879 Thanks
    Jackmydad
    • #7
    • 17th Jun 19, 4:21 PM
    • #7
    • 17th Jun 19, 4:21 PM
    Just looking online, and it appears that you can get what is considered to be quite a good quilting sewing machine for sub 300.
    Now I know not everyone had 300 to spare, but if it's something that comes up regularly, might be worth considering.
    I'm neither much of a borrower or a lender, partly because of who is to blame if anything happens.
    Mind you, if I did buy a machine, I wouldn't be lending it out!
    • gsxr1000
    • By gsxr1000 18th Jun 19, 2:30 PM
    • 7 Posts
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    gsxr1000
    • #8
    • 18th Jun 19, 2:30 PM
    Not a charity
    • #8
    • 18th Jun 19, 2:30 PM
    ashe, They genuinely aren't a charity. Community Interest Companies aren't allowed to be a charity. They all volunteer time effort and materials for free. I think someone ultimately 'owns' the quilting machine (very expensive btw not anywhere near 300, try timesing by 40!) but will pursue the broker option.
    • rach_k
    • By rach_k 18th Jun 19, 3:59 PM
    • 1,474 Posts
    • 2,572 Thanks
    rach_k
    • #9
    • 18th Jun 19, 3:59 PM
    • #9
    • 18th Jun 19, 3:59 PM
    Ask the CIC who their volunteers usually get insurance from. If they're insisting on seeing proof of insurance, they must know what companies are being used.
    • Jackmydad
    • By Jackmydad 18th Jun 19, 4:30 PM
    • 6,485 Posts
    • 20,879 Thanks
    Jackmydad
    ashe, They genuinely aren't a charity. Community Interest Companies aren't allowed to be a charity. They all volunteer time effort and materials for free. I think someone ultimately 'owns' the quilting machine (very expensive btw not anywhere near 300, try timesing by 40!) but will pursue the broker option.
    Originally posted by gsxr1000
    Fair enough about the cost, TBH though, if it's 12000 quid, I'm not surprised the premium is 300.
    I will say that I'd want the terms and conditions of any loan for a very careful read first.
    Stuff that's been borrowed, has a nasty way of "showing any faults" when returned.
    • greyteam1959
    • By greyteam1959 18th Jun 19, 8:31 PM
    • 2,654 Posts
    • 1,248 Thanks
    greyteam1959
    12000 !!!!
    Somebody is having a laugh I think.
    • sew what
    • By sew what 18th Jun 19, 9:12 PM
    • 167 Posts
    • 189 Thanks
    sew what
    12000 !!!!
    Somebody is having a laugh I think.
    Originally posted by greyteam1959
    Not that unusual for a longarm machine!
    https://www.franknutt.co.uk/long-arm-machines/bernina-q24
    • gsxr1000
    • By gsxr1000 19th Jun 19, 2:48 PM
    • 7 Posts
    • 0 Thanks
    gsxr1000
    It's $13500 plus $500 delivery in the US! Without the custom built table.
    • z1a
    • By z1a 19th Jun 19, 7:44 PM
    • 2,127 Posts
    • 2,220 Thanks
    z1a
    Thought you were after insuring your GXSR 1000, with mentioning sewing machine1
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