General advice on Trumpet Insurance

Before you buy music insurance, musical instrument insurance or any Trumpet (or Cornet) insurance consider the cover you require. You should consider how you play your Trumpet(s), Cornets etc. Perhaps this is covered under a Brass Band insurance? 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 Trumpet 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 Trumpet affect your Contents No Claims Discount (if applicable)

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

• If you damage your Trumpet would your contents policy pay for a loan of a Trumpet 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 Trumpet in and outside the home for the ROI and can be extended to cover the Trumpet 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 Trumpet.

• 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 policy.

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In addition to Trumpet insurance on the instrument you may be asked to play in public. Often you are then asked for music Public Liability cover (musician liability insurance). 

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Trumpet insurance players should still look after their instrument as Trumpet insurance cannot cover everything and the following guidelines are we hope helpful:-

Oiling Values. This is the most common regular maintenance you will do on a Trumpet (not insured). Ask your retailer for advice on the best oil to use.

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Tuning slides. Ensure that you keep clean and well lubricated especially the third value side.

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Pistons – These can stick. As a general rule if the piston sticks down sometimes when you play the Trumpet may need to be cleaned. If it sticks down all the time take to your retailer.

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Aftercare – Once you have played clean the Trumpet – make it a regular routine

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

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