Clarinet Insurance: How It Protects Your Gear?

Picture this: Your father paid a colossal amount on the premium (on add-on) to secure your clarinet under your home insurance. Probably, either he did not have imagined that dedicated musical instrument insurance policies are for real, or they do not burn a hole in your pocket. He might have thought the other way round that even if such plans existed, they might be super expensive.

Fortunately, your woodwind did not suffer any damage or accident. However, what if it was damaged, lost, or damaged with no specialist musical instrument insurance protecting it? It could be a great loss for you. Therefore, buying a specialist Clarinet Insurance is of utmost importance.

Musical instrument insurance and home insurance

How specialist musical instrument insurance plans protect you? How is it different from the extent of coverage your home insurance provides?

Your home insurance plan, as the name suggests, is for protecting your home and its belongings. So, you can always insure your musical instruments under your home insurance. However, if you do so, you are likely to agree with the downsides of your home insurance plan.

What are the downsides of your home insurance plan when it comes to covering your musical instruments? The following pointers will help you learn about the same:

● Any musical instrument you use for commercial purposes (no matter how long you play or how much monetary compensation you receive) will not be covered under your home insurance. However, a dedicated musical instrument insurance plan will cover the scenario.

● Any musical gear you take outside of your home will not be covered by your home insurance in an event of accidental damage, loss, or theft. However, an instrument-specific plan is all there to cover you.

● Your home insurance plan, in any case, will not provide worldwide coverage to your woodwinds and strings or any other family of musical instruments you own. However, if you buy a dedicated insurance policy for your gears, you are likely to get worldwide coverage. So, if something happens to your stuff overseas, you need not panic. Your insurance provider will take care of it.

In order to make sure that you get the most out of your insurance plan, you need to choose a reliable and experienced insurance provider.

Two major aspects to consider when choosing an insurer

When it comes to choosing an insurance provider, there are two major aspects to consider.

First of all, does the insurer (you intend to choose) provide you with the best service and value for getting your gears insured?

Secondly, is the coverage adequate to meet your requirements? These factors are crucial because they will ensure comprehensive coverage and peace of mind.

Questions to ask your potential insurance provider beforehand

Most people who are new to musical instrument insurance, often ask - what questions should they ask your potential insurance provider before going into any agreement. Perhaps, you too have your share of questions. Right? Here are some of the most crucial questions that you should ask your insurer before zeroing in on a policy. Here you go:

● Do they have a designated claims team that has experience in dealing with woodwind instruments?

● Do they provide an NCB (No Claim Bonus)?

● Do they have a dedicated customer care team to help you with your queries as and when needed?

● Do they help you with tracking down lost or stolen musical instruments?

● Do they have memberships with the relevant musical bodies?

● How do they process the claim?

Although these are some of the most frequently asked questions, the list does not end here. You can ask as many questions as you want to clear all your doubts. A customer-friendly Clarinet Insurance provider will make sure that all your queries are met correctly.