bluekarin Posted February 16, 2011 Share Posted February 16, 2011 My ED plays cello (lent for free from her school, thankfully)and has her own electric and acoustic guitars. DS also has an electric and an acoustic guitar, and I am looking for some insurance to cover all these instruments. Oh, and we have a digital keyboard. I have been recommended Allianz insurance by her cello tutor, but its separate insurance for classical and 'power' instruments, and I would preferably like one to cover all. Does anyone know of any who are good, pay up if it's needed and don't charge the earth? Quote Link to comment Share on other sites More sharing options...
Chickendoodle Posted February 17, 2011 Share Posted February 17, 2011 Allianz is definitely the best one (previously know as British Reserve). Their premiums are good, cover is wide (they cover students taking the instrument to school which many don't) and there is a low excess. If they won't do all the instruments on one policy you should take out 2 policies - won't cost you any more that way. Quote Link to comment Share on other sites More sharing options...
Ziggy Posted February 17, 2011 Share Posted February 17, 2011 Hi there, I'm sure you've done this already, so ignore me if I say the obvious, but it might be worth checking with your home contents insurance, that those instruments are not already covered. We hire a saxophone and a harp for my girls, and the hiring contract specifies we have to insure the instruments, so we contacted our home insurance people and they confirmed both instruments would be covered by our policy, and were quite happy to note this (along with the hiring company's ownership) in our insurance policy document. Good luck, Quote Link to comment Share on other sites More sharing options...
Chucky Mama Posted February 17, 2011 Share Posted February 17, 2011 Our instrument are covered on our household insurance. Quote Link to comment Share on other sites More sharing options...
Mrs Webmuppet Posted February 17, 2011 Share Posted February 17, 2011 Our instruments are covered under the household insurance - I know this as I have just claimed for damage to my beloved digital piano ( which incedentally is still at the shop being repaired ) Quote Link to comment Share on other sites More sharing options...
bluekarin Posted February 17, 2011 Author Share Posted February 17, 2011 Well, we don't have household insurance. We did for years and years, but haven't had it for at least 8 years after trying to claim for something and them refusing I'll go with Allianz and get two policies. Thanks for all your replies Quote Link to comment Share on other sites More sharing options...
C&T Posted February 17, 2011 Share Posted February 17, 2011 Carefull with Household insurance... They maybe covered in the home, but not if they are out of the home, and only up to a low value. Not great when travelling to school/concerts/lessons etc. Especially when you consider somewhere like a concert venue may involve leaving the instruments unattended between rehearsal/performance time etc (you can carry a flute around fairly easily - but the bigger the instrument the more likely it is to be unattended for a while). Should you go on tours, again that is a prime time for something to happen. I have flutes, and have seperate insurance, so should they be sat on etc while out playing somewhere they are still insured. (Although I would still be gutted!) Also, if they are not basic student models, then you should have a valuation in place in advance of anything happening - as it is near impossible to prove value after the event. Most servicers/repairers will do this for a very small fee if not free, and is worth it. Non-specialist insurers especially will quibble the value of instruments only wanting to pay out the smallest amount possible - as usual. Quote Link to comment Share on other sites More sharing options...
