Insurance

Ann-Marie

Member
Every chance that this may already be on here somewhere but I am after some advice.

I have recently started playing again and could do with getting my cornet insured what with the Areas coming up. Can't find my old documents anywhere so would appreciate the details of any companies you may know of.

Cheers! :wink:
 
BRASS BAND INSURANCE SERVICES
(BBIS)
Address: 312 High Street
Harlington
Hayes
Middlesex
UB3 5BT
UK
Tel: (+44)(0)20 8759 0825
Fax: (+44)(0)20 8564 9063
 

bruceg

Active Member
Just a thought, but if you have home contents insurance then check whether it qualifies as a high value item on your existing policy.
 

Ann-Marie

Member
Home Contents cover - They have said its ok whilst it is in the house but it would not be covered in the car or anywhere away from home. Not really sure how they work that one out though as on reading the policy document I am insured for up to £1500 on camera/camcorder equipment here or abroad :?

The strange world of insurance............ :roll:
 

bruceg

Active Member
The electronic / photographic equipment is usually covered under a blanket clause. Did you check whether they'd cover it as a separate item in the way they treat individual items of jewellery? If they'll do it then it'd probably work out cheaper than a whole separate insurance policy.

Of course, the specialist cover mentioned in the earlier posts might be worth the money for the peace of mind it would afford you...
 

Accidental

Supporting Member
Most home insurance policies also offer additional cover for "personal belongings" away from home, usually limited to £1000 or £1500 per item so no good for bigger instruments, but we have a cornet and horn covered under this extension. Its worth checking if this offers the cover you need, as its considerably cheaper than specialist BB insurance.
 

Jo Elson

Member
This is slightly off topic but it's about insurance and musicians. My boyfriend plays his trombone on a cruise ship and when he came home he tried to get insured on a friends car which was fine until they asked his occupation and then they said 'oh sorry we don't insure musicians!'- i don't get it, it wasn't like he was gonna be carrying his instrument in the car anyway.
 

Cantonian

Active Member
carlwoodman said:
I use Brass Band Insurance Services in Hayes, Middlesex.
Paperwork is at home but will post details later if required.
at 2.47pm

At 3.15 pm information posted. It must be a tough life Carl....any vacancies?
 

tim

Member
Jo Elson said:
This is slightly off topic but it's about insurance and musicians. My boyfriend plays his trombone on a cruise ship and when he came home he tried to get insured on a friends car which was fine until they asked his occupation and then they said 'oh sorry we don't insure musicians!'- i don't get it, it wasn't like he was gonna be carrying his instrument in the car anyway.
Its because of the hours they work.

My sister had the same problem as a theatre electrician bcause she worked reli late hours and technicians often have crashes because of tiredness and so are a nightmare for insurance companies to insure as it costs them money.
 

MRSH

Supporting Member
tim said:
Jo Elson said:
Its because of the hours they work.
That is part of it although it isn't the main reason.

For professional musicians the main problem with insurers is the Personal Injury aspect. If your boyfriend is a professional (which it sounds like he is) and he has an accident that then prevents him from continuing as a professional musician the insurers will be up for a massive personal injury claim, not to mention loss of earnings and loss of prospective earnings etc etc etc. It's a risk they would rather not take on.

Although not all insurers have this outlook. My brother is a professional timpanist and has been for years. In the beginning he had difficulty finding an insurer to accept him but once he did he stuck with them and they have looked after him ever since.
 
Ann-Marie said:
Home Contents cover - They have said its ok whilst it is in the house but it would not be covered in the car or anywhere away from home. Not really sure how they work that one out though as on reading the policy document I am insured for up to £1500 on camera/camcorder equipment here or abroad :?

The strange world of insurance............ :roll:
Bit surprised, as my household contents insurance covers my cornet..all i had to do was list it as a valuable item. There is no problem covering in the car, at concert etc. and as I have accidental cover for household contents is covered for damage as well as loos or theft.
 

flugelgal

Active Member
backrowbloke said:
Bit surprised, as my household contents insurance covers my cornet..all i had to do was list it as a valuable item. There is no problem covering in the car, at concert etc. and as I have accidental cover for household contents is covered for damage as well as loos or theft.
I really couldn't resist this - I apologise in advance - but why is it covered for loos?

Kirsty
 
flugelgal said:
backrowbloke said:
Bit surprised, as my household contents insurance covers my cornet..all i had to do was list it as a valuable item. There is no problem covering in the car, at concert etc. and as I have accidental cover for household contents is covered for damage as well as loos or theft.
I really couldn't resist this - I apologise in advance - but why is it covered for loos?

Kirsty
Argh!!!!!! sticky fingers :? Well, if i did flush it away, at least i would know it was covered. :oops: I must have been thinking about my post to BMB dating about practising in the bathroom..

Was gonna edit the original post, but its too funny....Thanx Kirsty
 

youngman

Member
We use competitive brass band cover at Nottingham through Egger Lawson. Brian Griffiths or Tony Thomas. Very good service at reasonable rates.
 
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