{"id":1004,"date":"2022-06-14T09:20:00","date_gmt":"2022-06-14T09:20:00","guid":{"rendered":"https:\/\/foxiz.themeruby.com\/default\/?p=1004"},"modified":"2023-01-13T11:56:39","modified_gmt":"2023-01-13T10:56:39","slug":"asigurarea-instrumentului-muzical-cum-sa-va-asigurati-instrumentul","status":"publish","type":"post","link":"https:\/\/www.thesixtyone.com\/ro\/asigurarea-instrumentului-muzical-cum-sa-va-asigurati-instrumentul\/","title":{"rendered":"Asigurarea instrumentelor muzicale: Cum s\u0103 v\u0103 asigura\u021bi instrumentul"},"content":{"rendered":"<p class=\"has-drop-cap\">De ce s\u0103 cumperi o asigurare pentru instrumente muzicale? Ei bine, exist\u0103 nenum\u0103rate tipuri diferite de instrumente muzicale. Cele mai multe dintre ele sunt scumpe. \u00cen timp ce \u00eencep\u0103torii pot ob\u021bine o chitar\u0103 ieftin\u0103 pentru 100-150 de euro, mul\u021bi muzicieni pasiona\u021bi cheltuiesc mult mai mult pentru instrumentul lor, mult peste 500 de euro. Chiar \u0219i \u00eencep\u0103torii trebuie s\u0103 \u021bin\u0103 cont de aproximativ 500 de euro pentru o vioar\u0103 f\u0103cut\u0103 manual. Nu exist\u0103 limite superioare.<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>\"Asigurarea instrumentelor muzicale nu \u00eenseamn\u0103 doar protejarea investi\u021biei dumneavoastr\u0103, ci \u0219i a pasiunii dumneavoastr\u0103.\"<\/p><cite>Autor necunoscut<\/cite><\/blockquote><\/figure>\n\n\n\n<p>Muzica poate fi scump\u0103. Pentru unii oameni, este mai mult dec\u00e2t un simplu hobby. Poate fi piatra de temelie a vie\u021bii tale profesionale sau visul t\u0103u de lung\u0103 durat\u0103 de a avea o carier\u0103 \u00een muzic\u0103 Fie c\u0103 faci parte dintr-o forma\u021bie \u0219colar\u0103, dintr-un club de muzic\u0103, o orchestr\u0103 sau din motive profesionale, majoritatea muzicienilor sunt extrem de aten\u021bi cu instrumentele lor. Cu toate acestea, ceva poate merge \u00eentotdeauna prost. V\u0103 pierde\u021bi husa chitarei sau a viorii \u00een drum spre un concert.<\/p>\n\n\n\n<p><strong>Pentru astfel de accidente, pute\u021bi \u00eencheia o asigurare pentru instrumente muzicale. Aceasta \u00eenseamn\u0103 c\u0103 instrumentul este asigurat \u00eempotriva deterior\u0103rii \u00een timpul transportului, a furtului \u0219i a pierderii, dar, de obicei, \u0219i \u00eempotriva daunelor cauzate de c\u0103derea...<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce pentru asigurarea instrumentelor muzicale?<\/h2>\n\n\n\n<p>Asigurarea pentru instrumente este o acoperire pentru instrumentele muzicale. Nu conteaz\u0103 dac\u0103 muzicienii profesioni\u0219ti, muzicienii pasiona\u021bi sau studen\u021bii doresc s\u0103 \u00ee\u0219i p\u0103streze \u00een siguran\u021b\u0103 obiectele de valoare. Oricine a economisit mult timp pentru un instrument sau este dependent de acesta \u0219i nu dore\u0219te s\u0103 pl\u0103teasc\u0103 costurile costisitoare \u00een caz de deteriorare poate \u00eencheia o asigurare pentru instrumente.<\/p>\n\n\n\n<p>Protec\u021bia complet\u0103 \u00eenseamn\u0103 c\u0103 asigurarea instrumentelor acoper\u0103 totul, de la furt la incendiu. Astfel, asigurarea ofer\u0103 protec\u021bie nu doar \u00een cazul \u00een care echipamentul muzical este furat sau pierdut prin uitare. Ci \u0219i dac\u0103 acesta este deteriorat \u00een timpul transportului sau pur \u0219i simplu din neglijen\u021b\u0103. De asemenea, sunt acoperite \u0219i daunele provocate chiar de titularul poli\u021bei de asigurare.<\/p>\n\n\n\n<pre class=\"wp-block-verse\"><strong>CARE DAUNELE SUNT ACOPERITE DE ASIGURARE ESTE DETERMINAT\u0102 DE CONDI\u021aIILE CONTRACTUALE RESPECTIVE. MAJORITATEA COMPANIILOR OFER\u0102 ASIGUR\u0102RI \u00ceMPOTRIVA DETERIOR\u0102RII, FURTULUI, JAFULUI, VANDALISMULUI \u0218I TRANSPORTULUI, PRECUM \u0218I \u00ceMPOTRIVA PIERDERII SAU FURTULUI. CU TOATE ACESTEA, TIPUL EXACT DE DAUNE ACOPERITE DE ASIGURARE TREBUIE VERIFICAT INDIVIDUAL, \u00ceN FUNC\u021aIE DE TARIF.<\/strong><\/pre>\n\n\n\n<p>\u00cen general, nu sunt acoperite zg\u00e2rieturile, defectele de fabrica\u021bie, uzura \u0219i semnele de utilizare. Nu sunt incluse daunele cauzate de acte inten\u021bionate (de exemplu, incendii provocate), greve \u0219i revolte, r\u0103zboaie \u0219i evenimente similare, confisc\u0103ri \u0219i energie nuclear\u0103. \u00cen plus, se pot aplica clauze de protec\u021bie \u00eempotriva furtului, \u00een func\u021bie de furnizor \u0219i de tipul de asigurare selectat. De exemplu, nu exist\u0103 acoperire pentru un instrument l\u0103sat \u00een ma\u0219in\u0103 pe timp de noapte. Exist\u0103, de asemenea, companii care ofer\u0103, \u00een general, acoperire \u0219i pentru neglijen\u021b\u0103 grav\u0103. Cu toate acestea, \u00een cazul \u00een care exist\u0103 limit\u0103ri ale presta\u021biilor, acestea se pot aplica acestor tipuri de cereri de desp\u0103gubire.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280-1024x682.jpg\" alt=\"\" class=\"wp-image-2620\" srcset=\"https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280-1024x682.jpg 1024w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280-300x200.jpg 300w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280-768x512.jpg 768w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280-330x220.jpg 330w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280-420x280.jpg 420w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280-615x410.jpg 615w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280-860x573.jpg 860w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/music-g42ad3097a_1280.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Instrumentele muzicale scumpe ar trebui s\u0103 fie asigurate.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Beneficii de asigurare pentru instrumente muzicale<\/h2>\n\n\n\n<p>Beneficiile asigur\u0103rii pentru instrumente muzicale depind de termenii contractului. Urm\u0103toarele module de beneficii pot fi incluse \u00een contract:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rambursarea costurilor de repara\u021bie<\/li>\n\n\n\n<li>Rambursarea valorii asigurate (valoarea de \u00eenlocuire sau valoarea de pia\u021b\u0103 actual\u0103)<\/li>\n\n\n\n<li>\u00cenlocuirea accesoriilor<\/li>\n\n\n\n<li>Absorb\u021bia costurilor pentru instrumentul de \u00eenlocuire<\/li>\n\n\n\n<li>Rambursarea pierderii de valoare<\/li>\n<\/ul>\n\n\n\t\t<div class=\"related-sec related-1\">\r\n\t\t\t<div class=\"inner\">\r\n\t\t\t\t<div class=\"block-h heading-layout-2\"><div class=\"heading-inner\"><h4 class=\"heading-title none-toc\"><span>Cite\u0219te mai mult<\/span><\/h4><\/div><\/div>\t\t\t\t<div class=\"block-inner\">\r\n\t\t\t\t\t\t\t<div class=\"p-wrap p-small p-list-small-2\" data-pid=\"172\">\r\n\t\t\t\t<div class=\"feat-holder\">\t\t<div class=\"p-featured ratio-v1\">\r\n\t\t\t\t\t<a class=\"p-flink\" href=\"https:\/\/www.thesixtyone.com\/ro\/muzica-de-relaxare-pentru-bebelusi-copii-co\/\" title=\"Muzic\u0103 de relaxare: Pentru bebelu\u0219i, copii &amp; co.\">\r\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2021\/08\/entspannungsmusik-min-150x150.jpg\" class=\"featured-img wp-post-image\" alt=\"Muzic\u0103 de relaxare: Pentru bebelu\u0219i, copii &amp; co.\" \/>\t\t<\/a>\r\n\t\t\t\t<\/div>\r\n\t<\/div>\r\n\t\t\t\t<div class=\"p-content\">\r\n\t\t\t<h5 class=\"entry-title none-toc\">\t\t<a class=\"p-url\" href=\"https:\/\/www.thesixtyone.com\/ro\/muzica-de-relaxare-pentru-bebelusi-copii-co\/\" rel=\"bookmark\">Muzic\u0103 de relaxare: Pentru bebelu\u0219i, copii &amp; co.<\/a><\/h5>\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t<div class=\"p-wrap p-list-inline\" data-pid=\"1019\">\r\n\t<h6 class=\"entry-title none-toc\"><i class=\"rbi rbi-plus\" aria-hidden=\"true\"><\/i>\t\t<a class=\"p-url\" href=\"https:\/\/www.thesixtyone.com\/ro\/muzica-rusa-cantece-celebre-din-rusia\/\" rel=\"bookmark\">Muzica rus\u0103: c\u00e2ntece celebre din Rusia<\/a><\/h6>\t\t<\/div>\r\n\t\t\t<div class=\"p-wrap p-list-inline\" data-pid=\"3547\">\r\n\t<h6 class=\"entry-title none-toc\"><i class=\"rbi rbi-plus\" aria-hidden=\"true\"><\/i>\t\t<a class=\"p-url\" href=\"https:\/\/www.thesixtyone.com\/ro\/puteti-da-in-judecata-un-restaurant-pentru-ca-v-a-ars\/\" rel=\"bookmark\">Pute\u021bi da \u00een judecat\u0103 un restaurant pentru c\u0103 v-a ars?<\/a><\/h6>\t\t<\/div>\r\n\t\t\t<div class=\"p-wrap p-list-inline\" data-pid=\"3475\">\r\n\t<h6 class=\"entry-title none-toc\"><i class=\"rbi rbi-plus\" aria-hidden=\"true\"><\/i>\t\t<a class=\"p-url\" href=\"https:\/\/www.thesixtyone.com\/ro\/asigurare-dentara-suplimentara-protectie-importanta-pentru-sanatatea-dumneavoastra-dentara-2\/\" rel=\"bookmark\">Asigurarea dentar\u0103 suplimentar\u0103: protec\u021bie important\u0103 pentru s\u0103n\u0103tatea dumneavoastr\u0103 dentar\u0103<\/a><\/h6>\t\t<\/div>\r\n\t\t\t<div class=\"p-wrap p-list-inline\" data-pid=\"3478\">\r\n\t<h6 class=\"entry-title none-toc\"><i class=\"rbi rbi-plus\" aria-hidden=\"true\"><\/i>\t\t<a class=\"p-url\" href=\"https:\/\/www.thesixtyone.com\/ro\/comparatie-intre-asigurarile-de-invaliditate-profesionala-ce-ar-trebui-sa-aiba-in-vedere-consumatorii-atunci-cand-incheie-o-asigurare-de-invaliditate-profesionala\/\" rel=\"bookmark\">Compararea asigur\u0103rilor de invaliditate profesional\u0103: Ce trebuie s\u0103 aib\u0103 \u00een vedere consumatorii atunci c\u00e2nd \u00eencheie o asigurare de invaliditate profesional\u0103.<\/a><\/h6>\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\n\n\n\n<h3 class=\"wp-block-heading\">Valoarea sumei asigurate<\/h3>\n\n\n\n<p>Valoarea indemniza\u021biei variaz\u0103 \u00een func\u021bie de tariful ales. Intr\u0103ri Unele companii ofer\u0103 o valoare asigurat\u0103 fix\u0103 pentru instrumentele lor, indiferent de v\u00e2rsta acestora.<\/p>\n\n\n\n<p>De asemenea, pute\u021bi conveni asupra unei desp\u0103gubiri pentru valoarea curent\u0103. Compania de asigur\u0103ri va rambursa costul achizi\u021bion\u0103rii unui nou instrument identic.<\/p>\n\n\n\n<p>Pe de alt\u0103 parte, unii furnizori pl\u0103tesc doar pre\u021bul curent. Aceste informa\u021bii pot fi utile pentru a descrie pre\u021bul curent al unui articol.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e2t de util\u0103 este asigurarea instrumentelor?<\/h2>\n\n\n\n<p>Asigurarea instrumentelor muzicale are sens? Nu exist\u0103 un r\u0103spuns general la aceast\u0103 \u00eentrebare. Dac\u0103 de\u021bine\u021bi un instrument folosit \u0219i ieftin \u0219i v\u0103 pute\u021bi permite s\u0103 \u00eel \u00eenlocui\u021bi \u00een caz de deteriorare, atunci nu ave\u021bi neap\u0103rat nevoie de asigurare.<\/p>\n\n\n\n<p>Asigurarea instrumentelor muzicale poate fi util\u0103 dac\u0103 de\u021bine\u021bi un instrument scump. Chiar dac\u0103 nu ave\u021bi suficien\u021bi bani pentru a \u00eenlocui sau repara ceva, ar trebui s\u0103 \u00eencerca\u021bi totu\u0219i s\u0103 \u00eel repara\u021bi. Deteriorarea poate duce la probleme grave dac\u0103 proprietarul depinde de instrumentul s\u0103u. De exemplu, pentru c\u0103 p\u0103rin\u021bii lor vor ca mai t\u00e2rziu s\u0103 poat\u0103 c\u00e2nta \u00eentr-o orchestr\u0103. Veniturile muzicienilor profesioni\u0219ti depind de func\u021bia instrumentelor lor. Asigurarea v\u0103 poate proteja de multe eventualit\u0103\u021bi \u0219i v\u0103 poate asigura supravie\u021buirea financiar\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Costul asigur\u0103rii instrumentelor<\/h2>\n\n\n\n<p>Principalul factor care determin\u0103 valoarea viitoarelor pl\u0103\u021bi de prim\u0103 este suma asigurat\u0103 individual\u0103 pe care a\u021bi stabilit-o pentru instrumentul dumneavoastr\u0103, urmat\u0103 de v\u00e2rsta instrumentului.<\/p>\n\n\n\n<p>\u00cen cazuri individuale, poate fi mai bine s\u0103 se asigure valoarea actual\u0103 dec\u00e2t valoarea viitoare. De exemplu, \u00een cazul \u00een care se preconizeaz\u0103 c\u0103 valoarea unui instrument muzical va cre\u0219te \u00een timp, este recomandabil s\u0103 se convin\u0103 asupra valorii curente de pia\u021b\u0103 la \u00eencheierea asigur\u0103rii \u0219i s\u0103 se ajusteze aceast\u0103 valoare la intervale regulate.<\/p>\n\n\n\n<p>Ave\u021bi posibilitatea de a asigura fie valoarea curent\u0103, fie valoarea nou\u0103 a instrumentului dumneavoastr\u0103.<\/p>\n\n\n\n<p>Dac\u0103 dori\u021bi s\u0103 v\u0103 asigura\u021bi instrumentul muzical, ar trebui s\u0103 solicita\u021bi \u00eentotdeauna valoarea actual\u0103 a acestuia unui comerciant. \u00cen cazul \u00een care v\u0103 pierde\u021bi instrumentul, ve\u021bi primi exact suma asigurat\u0103 \u0219i o pute\u021bi folosi pentru a cump\u0103ra din nou instrumentul.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280-1024x682.jpg\" alt=\"\" class=\"wp-image-2621\" srcset=\"https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280-1024x682.jpg 1024w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280-300x200.jpg 300w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280-768x512.jpg 768w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280-330x220.jpg 330w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280-420x280.jpg 420w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280-615x410.jpg 615w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280-860x573.jpg 860w, https:\/\/www.thesixtyone.com\/wp-content\/uploads\/2023\/01\/saxophone-g9f7cf6612_1280.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Instrumentele de suflat de \u00eenalt\u0103 calitate sunt scumpe \u0219i valoreaz\u0103 mult.<\/figcaption><\/figure>\n\n\n\n<p>Ritmul este, de asemenea, un factor \u00een <strong>prezentarea con\u021binutului<\/strong>. De exemplu, dvs. <strong>\"ar fi putut\"<\/strong> articolele de pe blog, comunicatele de pres\u0103 \u0219i evenimentele urmeaz\u0103 fiecare un anumit model de prezentare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cum pot \u0219ti valoarea instrumentului meu muzical?<\/h2>\n\n\n\n<p>Valoarea instrumentelor trebuie s\u0103 fie depus\u0103 la momentul \u00eencheierii contractului. De regul\u0103, chitan\u021ba de v\u00e2nzare poate fi utilizat\u0103 \u00een acest scop. \u00cen cazul \u00een care aceasta nu mai este disponibil\u0103, cel mai bine este s\u0103 o face\u021bi s\u0103 fie evaluat\u0103. Produc\u0103torii de instrumente pot face acest lucru. Trebuie s\u0103 ob\u021bine\u021bi o evaluare de la evaluator \u0219i s\u0103 o depune\u021bi la compania de asigur\u0103ri.<\/p>","protected":false},"excerpt":{"rendered":"<p>Why buy musical instrument insurance at all? Well, there are countless different types of musical instruments. Most of them are expensive to buy. While beginners can get a cheap guitar for 100 to 150 euros, many passionate musicians spend much more on their instrument, well over 500 euros. Even beginners have to reckon with around [&hellip;]<\/p>","protected":false},"author":1,"featured_media":2624,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[78,79],"tags":[],"class_list":{"0":"post-1004","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-music","8":"category-insurance"},"_links":{"self":[{"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/posts\/1004","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/comments?post=1004"}],"version-history":[{"count":1,"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/posts\/1004\/revisions"}],"predecessor-version":[{"id":2622,"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/posts\/1004\/revisions\/2622"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/media\/2624"}],"wp:attachment":[{"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/media?parent=1004"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/categories?post=1004"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thesixtyone.com\/ro\/wp-json\/wp\/v2\/tags?post=1004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}