General advice on Saxophone Insurance

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

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ISN'T MY INSTRUMENT COVERED UNDER MY HOUSEHOLD POLICY?

That depends, consider the following...

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• 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 Saxophone 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 Saxophone affect your Contents No Claims Discount (if applicable)

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

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

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WHY CHOOSE SPECIALIST INSURANCE FOR YOUR INSTRUMENTS WITH MIS Underwriting?

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• A specialist policy covers your Saxophone in and outside the home for the UK and can be extended to cover the Saxophone 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 Saxophone.

• 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 policy

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

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

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Swab. Swab the Saxophone from the bell end – this will minimise the spread of moisture through the instrument

Pads. Check your pads on a regular basis – particularly the low Eb (if signs of moisture e.g. black with a green ring) time to improve your swab action! Also check proper adjustment of the pads – they will need adjustment over time (not insured).

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Octave key. Ensure that this is cleaned as vital for proper use function of your sax.

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Strap and stands. Use them – you will be surprised how may sax players drop their instrument

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

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