Just out of interest! If you had a new instrument - particularly lower brass - and it picked up the odd little dent in band rooms, gigs etc., as they tend to do despite being careful to the point of paranoia, would you claim on the insurance you had taken out to cover accidental damage? When would you claim? First mark - when there are a few - at the end of a year of ownership? When does wear and tear become accidental damage and vise-versa? I've got a couple of small dents in my bass now - from being knocked against a chair in the band room - is this wear and tear or accidental damage?