General advice on Clarinet Insurance

Before you buy music insurance, musical instrument insurance or any Clarinet insurance consider the cover you require. You should consider how you play your Clarinet. We hope that the following may help you consider what options are right for you:-

 

ISN'T MY INSTRUMENT COVERED UNDER MY HOUSEHOLD POLICY?

​

Depends – consider..

• If you take your instrument out of the home, say to school or a gig, you will need to check that your household policy covers this (normally an out of home extension is required).

  • Most home policies require theft involving force but in practice Instruments are most often left in unlocked rooms or store rooms.

• This extension will normally have a single item limit. Is your Clarinet below this limit?

• Will it cover loss/theft from a building e.g. a concert hall/ school or if left on a school bus?

• What is your policy excess (typically €100, €250 etc.).

• Will a claim following damage to your Clarinet affect your Contents No Claims Discount (if applicable).

• Will your contents insurers know where best to repair your Clarinet?

• If you damage your Clarinet would your contents policy pay for a loan of a Clarinet to enable you to continue to play?

​

WHY CHOOSE SPECIALIST INSURANCE FOR YOUR INSTRUMENTS WITH MIS Underwriting?

​

•  A specialist policy covers your Clarinet in and outside the home for the ROI and can be extended to cover the Clarinet on a worldwide basis.

• A standard €0 policy excess applies (although you can consider taking an excess if required).

• Policy extensions to include loaning of a Clarinet.

• Other benefits include:

  1. Worldwide, ROI and Premises only cover options

  2. Theft cover

  3. Accidental damage cover

  4. Loss cover

  5. Unspecified musical accessory cover comes as standard (limit €350)

  6. Unattended vehicle cover

  7. Hire costs in the event of a claim

  8. 14 days free cover when you borrow/acquire a new instrument (limit €3,500)

  9. ROI wide repair network

• Depreciation cover is included as standard within MIS Underwriting musical instrument insurance policy.

​

In addition to Cello insurance on the instrument you may be asked to play in public – for example at weddings. Often you are then asked for music Public Liability cover (musician liability insurance). MIS Underwriting can provide cover for music Public Liability.

​

Whilst MIS Underwriting provide comprehensive Clarinet insurance players should still look after their instrument as Clarinet insurance cannot cover everything and the following guidelines is we hope helpful:-

​

Assembly. Invest time in learning how to assembly or disassembly your instrument. This is because damage can be done as keys are made of soft material and bend easily. Avoid leaving the reed attached to the mouthpiece when not being played.

​

Oiling. Check your manufacturers advice or your retailer. Not all Clarinets are the same e.g. Buffet do not recommend oiling new Clarinets.

​

Pad replacement. Pads do wear out (not insured) or require adjustment as part of playing.

Temperature. Avoid leaving in direct sunlight or high temperature environment e.g. car as this can lead to cracking.

Case. Always seek to use a case when transporting your Clarinet or not in use.

​

Cleaning. Test your cleaning process before applying to the instrument as it could affect the appearance.

Ask - Your retailer will provide you with the best advice and servicing. Support your retailer.

​

​