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SteveS

Instrument insurance in UK

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Does anyone know who offers musical instrument insurance in UK?

I'd like to move away from Allianz.

 

 

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Musicians insurance services

103 Coney Green business centre

Clay Cross

Chesterfield

S45 9JW

01246 589709

www.musiciansinsurance.co.uk

 

They act as insurance brokers.

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I haven't insured my concertinas for years. When I got my first one (almost forty years ago) I insured it with a specialist company (can't remember who) and later insured it as an extra on the household insurance. When I got a second concertina the cost was so high for the two that I calculated I could buy a new instrument every 15 years for the same cost as the premium. (In other words, the insurance premium for a year was 1/15 of the cost of a new instrument.)

 

That's all a long time ago now, so things might have changed. I'd be interested to hear from anyone with experience as to whether the cost has become more reasonable, although even if it has I doubt I would bother to insure them now; not having had cause to make a claim in all that time.

 

LJ

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+1 for Musicians Insurance Services. Cover includes gigs and theft from a locked vehicle, and although I’ve thankfully never had to claim myself, I’ve heard very good reports from unfortunates who have.

 

To @Little John ‘s point it would take me approx. 40 years of my premium to replace all the instruments I’ve got insured.

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MIS and Newmoon seem to be the popular choices.  I've found them both very helpful although I've only had to make a claim once, for a broken mic.

 

If you're relying only on household insurance be aware that this probably won't cover you playing for gigs, and in some cases this might include unpaid performances.  Every policy wording is different so you need to check.

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Thanks all for replies.  

A friend of mine also suggested Jack Hayward.

I'll request quotes.

Allianz is proving far too expensive.

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I would second Jack Hayward. Their rates seem competitive and a recent claim for shattered ends on a dropped concertina was handled with speed and no quibble. We have multi instrument, PA and 3rd party liability with them for a very good premium.

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I also use Lark, 

Lark have various levels of insurance including in a parked car if out of sight etc.

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