Musical Instrument insurance

a_ominous

House insurance renewal coming up. Anyone insure their musical instruments separate from house insurance that would recommend their insurer? Or reasonable premium for instruments under house policy? Our house premium has increased about 60% on cost 2 years ago

Ravelleman

I'm also interested in this.

Echoes675

I have a seperate insurance for my musical instruments. I am with Endsleigh currently and have a lot of gear covered, some of it is quite valuable too. I have full cover including unattended car etc... and I think my last renewal quote was in the region of £120 for over £5000 worth of gear. I wouldn't go with the house insurance to cover me especially cause I gig regularly.

anamaria

I have my instruments insured seperately, about €12,000 worth and it cost me €197. It covers me all over Ireland as I travel a bit, I think I extended it to Europe last year and it cost me an extra €40ish. I went through an insurance brokers who got me a quote from an English company. I also got my public liability (I am a music teacher) for about €400 less through this same company. If you pm me I can give you details.

Grolschevik

a_ominous wrote: »

House insurance renewal coming up. Anyone insure their musical instruments separate from house insurance that would recommend their insurer? Or reasonable premium for instruments under house policy? Our house premium has increased about 60% on cost 2 years ago

I was with RSA and they insured my guitar, amp and effects both when in the home and outside for "hobby only personal use".

Premium went up too much, so I switched to No Nonsense who eventually, after a lot of, er, nonsense, gave me the same deal for cheaper... But only because the first sales guy I was talking to said I could: the second one said "we don't insure instruments", so don't think I can really recommend them in general terms.

seachto7

I would be interested in this too. Anything that one should watch out for when going for a quote?

blondeonblonde

You could try Dolmen insurance. I used to insure my violins with them. They have a specific policy just for musical instruments. I paid approx 90€ per year. Hugh was the name of the guy who looked after the instruments section.

a_ominous

I've tried a few of UK companies, but they don't cover non-UK residents.

Dolmen Insurance offers musical instrument insurance with some restrictions: "if the instruments are used play rock or pop music or play in a rock or pop band we will unfortunately not be able to provide a quotation". Which is a bit strange - restriction based on the type of music you play. So if you have an accident during a gig of popular music, can you tell them "actually I was playing a blues riff, so I must be covered"

One other thing about Dolmen is that they do a group scheme with a renewal in February each year. Quote for me, until Feb 2012 is way too high - looks like it would cost more than house insurance quote without the instruments :eek:


Another option I have found is http://www.oloughlin.ie/

Still looking though...

anamaria

O'Loughlin's are who I am insured through. Can't recommend them enough. Really helpful. They got me a quote form an English company called New Moon Insurance and it was so much cheaper than my previous policy. I tried Dolmen insurance last year and it took four calls and three requests to call me back with almost a week in between to get a quote. I didn't think that boded well.

blondeonblonde

a_ominous wrote: »

I've tried a few of UK companies, but they don't cover non-UK residents.

Dolmen Insurance offers musical instrument insurance with some restrictions: "if the instruments are used play rock or pop music or play in a rock or pop band we will unfortunately not be able to provide a quotation". Which is a bit strange - restriction based on the type of music you play. So if you have an accident during a gig of popular music, can you tell them "actually I was playing a blues riff, so I must be covered"

One other thing about Dolmen is that they do a group scheme with a renewal in February each year. Quote for me, until Feb 2012 is way too high - looks like it would cost more than house insurance quote without the instruments :eek:


Another option I have found is http://www.oloughlin.ie/

Still looking though...

That's a bit of a atrange exemption alright, wasn't aware of that when I had it. It's odd that it specifies "pop or rock band", does that mean you are covered for playing orher types of music professionally?! If not then it renders it fairly useless. I'm out of cover now as well & just bought new guitar do might check out O Loughlins too.