All profit supporting special needs music education and Help Musicians
SYOS

Sax's and insurance

Fraser Jarvis

Well-Known Member
Messages
1,910
Thinking of getting my sax's insured, but before i go trawling about looking for the best rout to take can anyone give a heads up on the best cource of action, weather it's to go through my household policy, insuring each instrument or use a specialist instrument insurer...
thanks.
 

Pete Thomas

Chief of Stuff
Commercial Supporter
Messages
14,013
I insure each instrument, but some are insured in the house only, some outside (inc left in a car) some UK only some world.

You must make sure the insurer knows if you're using the instruments professionally as that can affect the policy. I have policies that are specifically for musical instruments. If you use a household contents policy be very careful to make sure they really are covered.

In England , if you are in the MU it includes cover for instruments up to a certain amount.
 

rhysonsax

Well-Known Member
Messages
4,390
This came up yesterday as I am lending one of my altos to a friend for his daughter to learn on. He is going to investigate whether to insure it - I am only concerned that it comes back in roughly the same condition it left - it's good to spread the saxophone gospel.

I normally only worry about theft and think that I would have to pay repair costs on any damage. Do instrument insurance policies usually cover or exclude damage, whether caused by the player or anyone else ?

Rhys

PS She played the instrument for about 20 minutes and not only was playing all the first octave notes from low D to B but also could do flutter tonguing and growling - that should scare her teacher in the first lesson after Christmas !
 

noelweston

Member
Messages
47
I've always insured all my instruments with BBIS -
http://www.brassbandinsuranceservices.co.uk/

For all 7 horns, wind synth, keyboard and all accessories (cases, mouthpieces, sound modules etc.) the bill for the year was in the region of £150. Fortunately, I've only ever had to claim once, for a clarinet damaged while travelling in the States, and they organised and paid for the repair without a quibble.

They're helpful and friendly to deal with as well - highly recommended. The instruments are covered in and out of the house, gigging and while being transported for loss and damage. I think (off the top of my head, without checking) that the only big exception is they aren't covered if left in an unattended vehicle.

Hope this helps

Noel
 

Sunray

Well-Known Member
Messages
1,708
To give you an idea of cover and cost ...

Here is part of an email from them regarding My Yani 992 Alto ...


Thank you for your time to discuss your instrument and the possibility of insuring it with Newmoon. Attached is a copy of the Newmoon terms and conditions and also a quote for your instrument below.

I have listed some of the benefits of the Newmoon cover for your information:

1. Worldwide, UK and Premises only cover options
2. Theft cover
3. Accidental damage cover
4. Loss cover
5. £0 Excess on all claims
6. Unspecified musical accessory cover comes as standard
7. Unattended vehicle cover comes as standard
8. Hire costs in the event of a claim
9. 14 days free cover when you borrow/acquire a new instrument
10. UK wide repair network

I can confirm that the premium for the year based on UK only cover on a Saxophone valued at £2270 is £41.93 including insurance premium tax.

If you have any questions please do not hesitate to ask. If you would like to set up the policy please just give me a call on the number below and I can set the policy up in around 5 minutes. Alternatively if you wish to send a cheque please find the business address below.

---

I did only take 5 minutes as well ... :)
 

Jules

Formerly known as "nachoman"
Messages
4,630
always had good dealings with Allianz myself- had two claims down the ages (aircraft hold damage to my mauriat on the way back from Irish tour- mercifully it got trashed on the return journey! Also -shattered my baritone mouthpiece many junks ago- don't ask!)- both of which they dealt with in an impressively low hassle manner....
 

griff136

Well-Known Member
Messages
1,048
I, like Jules, have used Allianz and have no complaints whatsoever. Being a repairer I have dealt with many insurers of musical instruments and the two that are by far the easiest to deal with and get paid by are Allianz and Newmoon.

Quite often a customer will come to the workshop and ask me to repair a sax that Jonny has dropped, denting the bow perhaps, putting the bell out of alignment and causing leaks on the notes from Low Eb downwards - I charge around £75 + depending on the extent of the damage, to repair the sax remove the bell and bow, remove any dents realign the bell and replace any pads. I always ask the customer if they have insurance - often accidental damage can be covered by household insurance but there's usually an excess to be paid. If the instruments are insured seperately with a musical instrument insurer theres usually no excess.
 

Pete Thomas

Chief of Stuff
Commercial Supporter
Messages
14,013
This came up yesterday as I am lending one of my altos to a friend for his daughter to learn on. He is going to investigate whether to insure it - I am only concerned that it comes back in roughly the same condition it left - it's good to spread the saxophone gospel.

I normally only worry about theft and think that I would have to pay repair costs on any damage. Do instrument insurance policies usually cover or exclude damage, whether caused by the player or anyone else ?
Yes, my insurance company paid out when I dropped my 10m. No questions about whether it was my fault or not. This is one of the factors determining a good company, you often don't know until it comes to the crunch and they drag out the small print.

An important issue can be replacement of rare vintage horns, will they give you the market value in money or replace it with a new saxophone?

I remember a time when a few people got stuffed by that, and I discussed it with my insurers who told me they would pay out whatever I could reasonably show it's value to be, provided I had insured it for that amount of course. They actually wrote that clearly in a letter because I asked for it in writing as I think the wording in the policy may have been ambiguous.

They also cover being left in a vehicle over night, which is sometimes inevitable when you are on tour.
 

Pete C

Member
Messages
344
I also use Allianz and have made a couple of claims with no hassle. I did look at using the MU brokers but discovered that 1. they actually place the insurance with Allianz anyway; 2. that you can get a discount with Allianz if you are in the MU; 3. you loose the unspecified free insurance with the MU if you go through their broker (up to 2k). I decided the best option was a discounted Allianz insurance direct deal for individual instruments and keep the unspecified 2k (useful if I get an amp or something pinched) and public liability through the MU's broker.

Pete
 

Fraser Jarvis

Well-Known Member
Messages
1,910
OK, Thanks everyone for your input, i have gone with New moon, every things covered, all sax's, case's, mouthpieces, the lot, they have even covered "the professional musician's" violin in with the deal weather she's at school or at a performance somewere.
 
Top Bottom