 The Clarinet BBoard
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Author: Gavin
Date: 2001-04-02 03:41
Does anyone know where I can get reasonable musical instrument insurance in Australia for my clarinets. They were covered on my house policy, but the new policy schedule excludes musical instruments. Thanks in advance if anyone can help, Gavin.
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Author: Gordon (NZ)
Date: 2001-04-02 12:17
Have you asked about an exclusion to the exclusion? It may be just a matter of having them itemised.
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Author: Dee
Date: 2001-04-02 21:45
While it may not be covered in your basic policy, it is often possible to get a special "rider" to cover specialty items.
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Author: Meredith
Date: 2001-04-04 05:33
Do you play in a band that has their instruments insured? Our band has insurance that covers not only the instruments owned by the band but also covers any instrument that is played with the band even if the instrument is owned by an individual for any accidental loss, theft or damage. The insurance company is Brisbane based and specialises in instrument insurance (although it may only be for bands and not private). Otherwise, most insurance companys will cover instruments but you will need to have them valued and it may cost you a fortune (about 10% of the instruments value if I am not incorrect). I looked in to it when I bought my rather expensive clarinet and tenor horn but it just wasn't worth it and there were too many exclusions in the policy.
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Author: Craig
Date: 2001-04-04 13:49
This reminds me of the time I needed insurance for a Korg eletronic tuner... After a long involved phone conversation with the sales consultant about value etc. I was able to list the item on my insurance... Then they asked why I wanted to insure a fish!!! (TUNA)
TRUE STORY.
Craig
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Author: Ken Shaw
Date: 2001-04-04 23:40
Gavin -
Instrument insurance is available through specialized brokers, but it's sometimes hard to find.
If you have homeowner or apartment owner insurance, you can usually add an "umbrella" endorsement that will cover everything else you own. However, be sure to tell your insurance broker that it has to cover musical instruments, and be sure to get coverage for outside-the-home use and professional use if you're going to get paid for playing. An umbrella endorsement will cost less than an individual policy just for the instruments.
Another possibility is to go to your car insurance broker. While you probably can't get an umbrella added to that policy, the agent may be willing to write a policy for the instruments at a lower price because you have another policy.
Best regards.
Ken Shaw
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Author: Robin
Date: 2001-04-05 07:25
I just realised the other day that my clarinets are double insured. One is the "umrella-style" as mentioned above. This is with RACV home and contents - basically tacked on to the house insurance. They call it "multi-risk' insurance and I believe this is insurance for the full range of possible disasters that could befall you in and out of the house.
The other is insurance with a South Australian firm that I'd always heard good things about. They're called Marsh PTY LTD. It's funny, they seem to keep getting taken over by bigger firms...probably not a good sign! Anyway, I got this insurance when I was taking my instruments overseas, and then forgot about it. The rate seems about reasonable to me - about $140 for $6000 worth of Clarinets.
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