 The Clarinet BBoard
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Author: Brenda Siewert
Date: 2006-09-22 16:27
Quick question: What's good insurance that can be obtained very, very quickly for instruments. My friend is about to leave for Israel with her new oboe and doesn't want to travel without it. She's in Chicago.
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Author: Chris P
Date: 2006-09-22 16:35
I know Allianz-Cornhill (formerly British Reserve) has worldwide coverage and instant cover on musical instruments, but I think it's only for UK residents.
Do you know if your (or her) household contents policy will cover her for travelling outside the US? No harm in calling them to see either way.
Former oboe finisher
Howarth of London
1998 - 2010
The opinions I express are my own.
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Author: DAVE
Date: 2006-09-22 17:00
I actually have my instruments insured with State Farm. They do homeowners, car, etc. The policy is very inexpensive and covers the instruments wherever they are. It is a full replacement coverage that essentially will cover ANYTHING that happens to the instrument. My agent told me that if it cracks and I want a new one, then I can pay the deductable and voila!!! new horn. It's a great way to go.
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Author: Terry Stibal
Date: 2006-09-22 18:03
One thing to keep clearly in mind when insuring musical instruments is that very often "standard" insurance companies have two rates for such coverage. The first is a "non-commercial" rate policy, one that covers school and community group use. This coverage, at least through my carrier, costs $X.
The second rate is the one for "commercial" use, defined by my firm as use while playing for hire. The rate for this usage costs $X times two, or $2X.
If you are going to play commercially by all means consult with your homeowner's agent, but do not hesitate to compare other options. Aside from contracting for a separate policy for your horns, you can also avail yourself of the AFM's group policy underwriter, if you are a member of the union.
leader of Houston's Sounds Of The South Dance Orchestra
info@sotsdo.com
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Author: bob49t
Date: 2006-09-22 18:23
Brenda,
Incredibly, some musical instrument insurers don't automatically cover the "insured items" for being left unattended in a locked car boot/trunk.
Their basic insurance will only cover you for when the instruments are in your possesson in a band pit! Although I know some accidents do happen here, I'd think they are relatively few compared to being stolen from cars etc. (rider - I have no documentary evidence for this).
SO the warning is there.....whichever policy your friend goes for, get him/her to thoroughly check this aspect of the cover offered.
BobT
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Author: Brenda Siewert
Date: 2006-09-22 18:40
Thanks everyone. She's talking to an agent right now. She flies out via British Air tomorrow. At least BA has lifted its carry on requirements so she can carry it on with her.
Wow, I didn't know it would be possible to get insurance that would replace your instrument if it cracked.
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Author: mnorswor
Date: 2006-09-22 18:50
Clarion is the one I use. They offer same day coverage if you need it for no additional cost. Website for them is lited above or you can call and talk to them.
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Author: clarnibass
Date: 2006-09-23 06:00
This is helping me a lot too. Just the opposite from your friend, I'm about to leave from Israel, and have to take both my soprano and bass clarinets with me. Brenda, what insurance company did you end up with? So far I have this included in the home insurance (insurance for everything in the apartment), but it really is not enough. There are too many holes in that insurance (for example if the clarinets are in a car while stolen they are not covered, etc). There is actually no company in my country that will insure only my instruments. Does the one you chose insure internationally?
I'm leaving in about three weeks so it also needs to be fast.
By the way Brenda, is your friend going to play here in a concert? If they are maybe I can go see the concert?
Thanks!
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Author: CK
Date: 2006-09-23 19:11
If you belong to the AFM they have instrument insurance available from
two different companies at very reasonable rates.
The College Music society offers instrument insurance to its members to.
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Author: William
Date: 2006-09-23 23:13
Just my two cents worth, if it's worth even that!! I have been traveling with my instrments for over 40 yrs without any insurance coverage and have never had a problem. I watch them carefully and never store them, except in my locked auto, camper or hotel room. I think if she cannot secure insurance for this particular trip before departure, just enjoy, keep the oboe in sight at all times and don't worry about it.
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Author: Brenda Siewert
Date: 2006-09-25 19:59
I'm not sure which insurance company she went with because she was trying to do so many things at once--book her flight, contact another orchestra member who is travelling with her, pack, etc., etc. It was a last min. trip for her because she wasn't originally scheduled to play. I WAS scheduled to play clarinet, as usual this time of year, but in July I had a couple of light strokes that were caused by blood clots. That's also why you didn't see me around the board for a while lately. I've been undergoing a lot of tests. So, I had to cancel playing in Israel this year. I'm well now, and doing very well with a miraculous recovery and no damage to my eyes (I had several bouts with sudden blindness) , but the director didn't want to take a chance on my traveling that far for all those hours (about 25 hours from my home here in Texas). So, they hired someone to fill my place.
The orchestra is the ICEJ (International Christian Embassy Jerusalem) orchestra. They'll be doing a series of concerts during Sukkot (Feast of Tabernacles) in Jerusalem. One will be at Sultan's pool (as I mentioned doing last year), one at Ein Gedi, and several at the ICCJ (International Conference Center) from Oct 7-13th. It may be when you're gone.
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