"...The piano was insured, but only for the £26,000 which was paid for it at auction in London rather than its likely replacement value of £45,000..."
At least she'll get her money back. Bet they subrogate the piano mover.
They say Bosendorfer pianos are the best. Check this one out - (of only two in the world) an Imperial Grand Bosendorfer piano at the Grand Bohemian Hotel in Orlando. There's a lot of gold on it (the legs). I stood there watching a pianist & sax duo wishing I could get to play it. No chance. Check it out here and click the pause button on the third picture. They say the hotel owner bought the piano and then built the hotel.