Insurance

Discussion in 'The Rehearsal Room' started by Hove Edge, Dec 28, 2011.

  1. Hove Edge

    Hove Edge Member

    Messages:
    61
    Can anyone recomend an Insurance company. I now have my own instrument and would like to get it insured.

    Simon
     
  2. Kjata

    Kjata Member

    Messages:
    646
  3. euphonium_john

    euphonium_john Member

    Messages:
    173
    Location:
    Lancashire
  4. WoodenFlugel

    WoodenFlugel Moderator Staff Member

    Messages:
    9,070
    Location:
    Leicestershire
    I've used both of the above companies in the past, and although I've never had to make a claim they were both professional and easy to deal with. One thing I would say is - like a lot of things these days - you might not get the best deal if you are an existing customer. My premium came down by about 30% when I switched from Allianz to Endsleigh last year.
     
  5. Split Splat

    Split Splat Member

    Messages:
    53
    Location:
    Selby
    Do these companies offer multi instrument cover for the private individual?
    I own 3 horns that I am considering covering!
     
  6. dibbler

    dibbler New Member

    Messages:
    27
  7. WoodenFlugel

    WoodenFlugel Moderator Staff Member

    Messages:
    9,070
    Location:
    Leicestershire
    Yep both Allianz and Endsleigh have multiple instrument policies. I've covered my flugel, my cornet and the missus' clarinet (say it quietly). You just have to fill in the details of each one individually. I think there is an upper limit for the value of both the individual instruments and the total value, after which you will have to ring them rather than be able to do it all online.
     
  8. euphonium_john

    euphonium_john Member

    Messages:
    173
    Location:
    Lancashire
    We've used Allianz from both sides of the counter. Where they really excel is when you have to make a claim - compared with other insurers we deal with, specialist - or house hold - their service is definitely the best.
     
  9. P_S_Price

    P_S_Price Member

    Messages:
    774
    Location:
    Rochdale
    I Use Orchestral Guard. They also cover mechanical defect and Breakdown which can be useful if valves become problems.

    I have had to claim on the policy in the past and can confirm that they paid up without any quible at all (which is when you really need them after all).
     
  10. Split Splat

    Split Splat Member

    Messages:
    53
    Location:
    Selby
    Do any of the companies state that the instrument must be stored in their orgional hard cases to be covered against damage?
    just thinking along the lines of damage whilst in soft Gig type cases and if this would potentially be a way of not paying a claim for the companies!
     
  11. P_S_Price

    P_S_Price Member

    Messages:
    774
    Location:
    Rochdale

    Mine was dropped, accidentaly whilst putting it back in its case.

    Orchestral Guard paid out no Quibble.
     
  12. jamieow

    jamieow Member

    Messages:
    210
    Location:
    Wrexham
  13. pbirch

    pbirch Active Member

    Messages:
    422
    Location:
    Gateshead

    Yes, but I don't think it an unreasonable stipulation
     
  14. Split Splat

    Split Splat Member

    Messages:
    53
    Location:
    Selby
    lots of people use soft case/gig type bags these days that prob compromise their insurance!
     
  15. Robhibberd29

    Robhibberd29 Active Member

    Messages:
    1,434
    Location:
    Rotherham
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