General advice on Brass Instrument Insurance

Before you buy music insurance, musical instrument insurance or any French Horn insurance consider the cover you require. You may be covered under Brass Band insurance - it’s worth asking. You should consider how you play your French Horn. We hope that the following may help you consider what options are right for you:-

ISN'T MY INSTRUMENT COVERED UNDER MY HOUSEHOLD POLICY?

That depends, consider the following...

  • 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 French Horn 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 French Horn affect your Contents No Claims Discount (if applicable).

  • Will your contents insurers know where best to repair your French Horn/brass instrument?

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

WHY CHOOSE SPECIALIST INSURANCE FOR YOUR INSTRUMENTS WITH NEWMOON?
  •  A specialist policy covers your instrument in and outside the home for the UK and can be extended to cover the French Horn / brass instrument 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 your French Horn / brass instrument.

  • Other benefits include:

    1. Worldwide, UK 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. UK wide repair network

  • Depreciation cover is included as standard within Newmoon’s policy

In addition to French Horn insurance/ brass instrument insurance you may be asked to play in public. Often you are then asked for music Public Liability cover (musician liability insurance). Newmoon can provide cover for Public Liability from £22 indviduals and £70 for groups with £1m limit of indemnity.

Whilst Newmoon provide comprehensive French Horn insurance players should still look after their instrument as French Horn insurance cannot cover everything and the following guidelines are we hope helpful:-

Cleaning. Always clean the French Horn before putting away as finger prints/ marks will tarnish the French Horn.

Oil. Follow manufacturers advice and oil – normal under value caps and bearing next to the top value stops and value springs.

Slides – whilst these will be cleaned on a regular basis the slides will on occasions require a comprehensive clean!

General maintenance – Keep in case when not in use. Lift out by bell and larger tubing. Avoid eating prior to playing.

Bath time!- Every few months you will need to wash out the inside of your Horn! Read the instructions!

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

With French Horn insurance / brass instrument insurance starting from just £21 why not call Newmoon on 01892 506884 and speak direct to an expert who can discuss your French Horn insurance requirements. Or visit our Harmonic or Natural products at www.newmooninsurance.com to get an online French Horn insurance, brass instrument insurance or musical instrument insurance quote. You should also refer to our Brass Band insurance section above.

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New Moon Insurance Services Limited is registered in England No. 6610290.Registered Office: Pine Grove Business Centre, Pine Grove, Crowborough East Sussex TN6 1DH. New Moon Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 706599. New Moon Insurance Services Limited administers music insurance in the UK on behalf of Ecclesiastical Insurance - prior to 1/6/19 Hiscox Insurance Company Ltd and upto 12/2/19 in ROI. After 13/2/19 Music in ROI is with Ecclesiastical Insurance. Gun insurance on behalf of UK General.

 D O'Loughlin & Co Ltd service Irish customers on behalf of New Moon Insurance Services Ltd upto renewal date 31/1/20. D O'Loughlin & Co ltd t/a O'Loughlin Insurance Group & Musician Insurance is regulated by the Central Bank of Ireland, Registered office Little North Street, Swords, Co Dublin.

 

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