Theft update and an apology

Well, I'm pleased to advise that I had confirmation that my complete system will be replaced with brand new components which i expect will arrive after Christmas. I'll be getting the DR versions of the hicap and the 250 too, so all in all I'm pleased given the circumstances. 

I have to apologise to those who were expecting frantic pre Christmas debate on which way I should go with my kit however, as it's all being replaced like for like...so my new / old system will look like this: 

Gyro SE, RB303 2m black

NDX

282

250DR

HICap DR 

out of interest and to give you all something to advise me on, how much of an uplift in performance do you think I can expect over my old version (non DR) version of this system. I guess this will be an interesting thread topic in itself! 

Thanks again to all who offered help and advice previously, have a great, music filled Christmas

Original Post

The 250DR was a profound improvement in my system, mac, DAC, 555PSDR, 282, SC.  Much quieter background, instruments and voices more separated and more convincing.  A more "organic" sound - just sounds "prettier."  I never noticed the mildly gritty, electronic sound of my 250 until it was gone.  The DR version does a better "disappearing act," so sounds more convincingly like music than hifi amplifier.  You will like it.

Clearly your insurance company experience was better than mine. Congrats on getting it all sorted. Though I know it is still far more preferable to not have had your space violated in such a horrid way.

The above will be fantastic. Apart from the speakers, that is the same system I started with in one big go a few years ago (sans DR on the 250). I'm probably the only person who did have some minor foibles regarding the 250DR - but these are largely an issue of system balance. It is a much more capable amp and less frequency restricted at the lower end. I did find if your speakers were chosen to work with that, the change to the DR could lose some punch. But there is no reason to suspect that will be the case until you try it. When I changed speakers to somethine more capable I got the full benefit of the 250DR and more punch than I could shake a stick at and was suitably impressed.

Good insurance company, looks as though you will be having a good Christmas. Your system is very similar to mine and I found the DR upgrade made a real difference, for me the lower noise threshold and clarity on vocals both improved. As a matter of interest....what phono amp do you use?

john s posted:

Good insurance company, looks as though you will be having a good Christmas. Your system is very similar to mine and I found the DR upgrade made a real difference, for me the lower noise threshold and clarity on vocals both improved. As a matter of interest....what phono amp do you use?

Hi john 

 

they me will be sending me a new Graham Slee Era Gold V. I'm thinking that arm / phono stage will come under scrutiny fairly soon... 

Nice. I'm using the Gram Amp 2 whichI think is excellent at the price point. However when I changed the arm to an SME (which I really like) the dealer felt I should upgrade the phono amp, maybe to a valve model, so I'm going to have a listen in the new year I think. In the interim - enjoy the new system!

If you were already considering changes to your system, now would be a good time to do it. Once the insurance company is out of the way, I imagine your dealer would be happy to give you a credit for an item against the purchase of something else. (e.g. 252 for 282)

Not that you really need to change much, I'm sure you'll enjoy the new kit as it is with the DR upgrades. 

I had a similar experience when I had my kit take a lightning strike down the telephone line earlier in the year - note to ones self; when disconnecting your kit during a storm also disconnect any Ethernet cables as well!!!

I use that insurance company that favours the brave and the bold and have to say the experience was flawlessly professional. No if's but's or can not's just we are sorry to hear you have a problem, do what you need to do and send us the bills.

Geko posted:

 

I use that insurance company that favours the brave and the bold and have to say the experience was flawlessly professional. No if's but's or can not's just we are sorry to hear you have a problem, do what you need to do and send us the bills.

That hint is lost on me... prrhaps I don't take enough notice of adverts!

I still don't get the brave and bold, though other references come to mind...

Funnily enough I had a quote from them only a couple of days ago, having heard praise of them earlier this year on this forum, to find they are about £40 more than my present insurer (M&S)'s very steep (compared to only 4 or 5 years ago) £730 (buildings & contents), with a minimum excess of £250 vs present £50 (though M&S no longer offer that low XS to new applicants. JL, also mentioned in an earlier thread, come out a lot less (around £430), but with less clarity to the detail so I need to contact them to be able to know if the cover is what I want.

But of course, efficient and effective claim settlement is vitally important, and not clear enough in comparative surveys I have seen like Which?, which is where experiences of people with similar abnormally high value gear are very useful.

Did you have receipts to prove ownership, or what proof did they accept?

Innocent Bystander posted:

I still don't get the brave and bold, though other references come to mind...

Funnily enough I had a quote from them only a couple of days ago, having heard praise of them earlier this year on this forum, to find they are about £40 more than my present insurer (M&S)'s very steep (compared to only 4 or 5 years ago) £730 (buildings & contents), with a minimum excess of £250 vs present £50 (though M&S no longer offer that low XS to new applicants. JL, also mentioned in an earlier thread, come out a lot less (around £430), but with less clarity to the detail so I need to contact them to be able to know if the cover is what I want.

But of course, efficient and effective claim settlement is vitally important, and not clear enough in comparative surveys I have seen like Which?, which is where experiences of people with similar abnormally high value gear are very useful.

Did you have receipts to prove ownership, or what proof did they accept?

Well as nobody has said any different we are insured with Aviva and can't fault them through all of this. I've sent a combination of receipts and photos of boxes / the kit etc and nothing has been queried by them. Very good all in all. The only thing I could be potentially disappointed about is that I might not be getting a dealer install of the new kit (something I'd expect if I personally was spending thick end of £17k in a dealers), they are currently in discussion with the appointed supplying dealer on this I understand. I realise I can't complain really. 

The insurance company has procured the equipment through a well-known nationwide Naim dealer, unfortunately I have not been able to express a preference as to who supplies it. I have had kit from their former Worcester shop before and have always found their service to be excellent, so I’m hoping that this is a formality that the insurance company simply isn't aware of.

 

I realise insurance depends on a lot of things but my LV is only £88 and they insist this covers all home entertainment components, even when I tell them that the value of this is probably about 30% of the entire contents ... didn't even have to declare them - had to declare my guitars and they are only about £3k together - crazy.

This cost is for buildings and insurance with up to £1m for the house and £80k for contents.

Insurers just don't get that some of us have such expensive hifi so bundle it in as home entertainment with no maximum specified, so why not take advantage.

They were fine with replacing my Krystal cartridge after accidental damage earlier this year although I suppose the real test is what the renewal cost is

If mainstream insurers are going to offer this then I just don't get why I need to take out a specialist or more expensive policy that covers my gear explicitly - LV and my previous insurers have all been happy to cover it under that home entertainment banner.

Allaniare

The last few insurers I've used both had a £1500 per item limit, above which individual items have to be declared in order to get cover for them. This part of the application process only appears after you have had an initial quote based on total content value, and the price goes up a bit when you start adding high value items. It wouldn't be that difficult to miss this part of the quotation process if you were in a hurry, in which case the cover would not be valid.

 

Yes Chris, I've had the same but my last few insurers, not just LV, defined "valuables" as things like jewellery, paintings, collections, musical instruments. As I said, when explicitly challenged regarding the HiFi components they did not want to know - their response was that this was covered under entertainment, and with no limit - don't worry I checked a number of times

I make sure that, if on the phone, I note the date/time and I explicitly ask these questions and get the operator's response then, if it turns out that the T&Cs aactually do impose some restrictions then I can refer them back to their recording of our original call ... I did this successfully a couple of years ago when an operator had misinformed me (actually by omission) and got my (initially rejected) claim accepted (Post office insurance - worth a check, they can be very competitive).

Allan

This year I moved from a company that insisted I declare everything over £1,500 to Direct Line who only want to know about what they define as valuables which seems to be limited to jewellery or works of art worth more than £4,000. I also phoned to check about the system and got the same response, that audio systems did not need to be declared. The cover was unlimited buildings and £100K contents and £140 cheaper than my last provider.

 

Peter 

Being in the states I know it is not as much interest to many on the forum, but even though my homeowners policy would cover my guitars, it has so many limitations (e.g., offsite coverage is almost non-existent) and they are so unfamiliar with the entire instrument scene that I have a special policy with a company named Clarion out of NYC; covering musical instruments is what they do.

However, reading this forum makes me want to touch base with my insurer to ask about my Naim gear, since I have "replacement cost coverage" and I am sure they are not used to systems that have components in the price range of Naim gear...even at my level, let alone the 300/500 tier.

I thought Fortune favoured the brave, and there is a Fortune insurance company. I have no idea if they are any good though.

Hiscox are becoming more and more expensive, they ought to have some sort of sliding scale on the excess levied, makes it almost pointless to claim on certain items.

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