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All sorts of quirkiness
Allianz Cornhill covers all sorts of quirkiness
You’d be surprised at just how many quirky claims Allianz Cornhill Musical Insurance receives for all sorts of unusual instruments every year, and they just keep coming.
One of the recent claims Allianz Cornhill has received is for a 'Percussion Monkee Tree' - this is a tree branch sited on a surf board with wheels, decorated with chime bars, cow bells, drums and cymbals hanging off it - after a burglary where various items were taken and the tree was stripped.
Many musicians rely on the personal possessions section of their home contents policy to cover their instrument, only to find out after making a claim that the level of protection offered can be limited and ...cont/
often does not include risks such as unrestricted professional use or depreciation in value following repair.
John Feaver, marketing manager for Allianz Cornhill Musical Insurance says: "Our specialist policies cover almost anything that plays music, and this way ensures that all musicians can keep playing should anything happen to their prized possessions – no matter how unusual they may be!"
Allianz Cornhill Musical Insurance top tips for instrument insurance:
1. Look for a policy which will provide the widest possible cover with exclusions kept to a minimum.
2. Check they provide cover anywhere in the world without the need to arrange extra cover (although you may be based in the UK
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most of the time, many musicians and music teachers travel overseas on tours and a household policy may not cover such events).
3. Find a policy that has a ‘no-fuss’ claims settlement (many household policies require you to shop around for a replacement instrument at the lowest possible cost, rather than allowing
you to use your usual dealer, who you know will find you a replacement which suits you, not on which suits the insurance company).
4. Seek insurance that confirms the insured will be given full replacement value should the need arise.
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