Are you a degree student studying music? Are you learning to play the flute? If yes, then you should consider buying musical instrument insurance. Like many prospective insurance buyers, you might have a series of questions revolving in your mind. Right?
Therefore, we have rounded up some frequently asked questions about musical instrument insurance plans. Hopefully, these will help you clear all your doubts and assist you in choosing the most appropriate Flute Insurance plan for your woodwind.
Can a student get an insurance plan for musical instruments?
Reliable insurance companies offer a wide range of insurance products to different people with varying professional statuses, including students, musical instrument collectors, music shop owners, and top-end musicians. So, if you are a student learning how to play the flute, you can get your musical instrument insured under a comprehensive Flute Insurance policy. A dedicated music instrument insurance plan will make sure that whether you are sitting and playing your woodwind in your living room or for a live audience, it stays safe.
If you consider your home insurance for protecting your flute, you may not get complete coverage. Generally, home insurance plans do not cover accidental damages or any damage or loss occurring outside the insured premises, i.e. your home. However, an instrument-specific insurance plan covers all-risk scenarios, including theft, vandalism, robbery, flood, storm, water damage, fire damage, and public liabilities, to mention a few.
Is your flute covered internationally?
Although it entirely depends on the insurance plan you intend to buy, with a reputable and experienced service provider, you can avail of worldwide insurance coverage for your gears. So, no matter where you are traveling with your instrument, your insurance plan ensures that it remains protected. The worldwide coverage clause asserts that you get coverage against accidental damage, any damage or loss during transportation, theft, and all types of risks you get in your native place.
However, if you simply rely on your home insurance plan and travel to a foreign land, and unfortunately, if your flute is stolen or damaged there, you will not get any insurance coverage.
How can you make a claim?
If your musical instrument is damaged, lost, or stolen, it is pretty understandable that you would be disturbed and heartbroken. That is where a customer-friendly insurance partner comes into play. Making an insurance claim with a good service provider is easy and hassle-free. All you need to follow the below tips:
● If you have fallen prey to any malicious activity, such as theft or vandalism, the first thing you need to do is call the police.
● After you call the cops, you should contact your insurance provider and inform them about the incident.
● Once you call them, they will provide you with a claim reference number and tell you about the next steps.
● After the inspection, if they find enough evidence supporting your claim, they will settle the claim at the earliest.
What is public liability? Do you need public liability cover before you start playing in gigs?
Public liability cover is also known as third-party or personal liability cover. It protects you against any kind of music-related legal issue that happens to injure someone or cause damage to their property and where you are held responsible. To know more about public liability and related information, you may consult the insurance provider you intend to hire.
As far as possessing public liability cover before you start playing in concerts is concerned, many auditoriums and gig spaces are likely to require public liability cover before the former allows the latter to play. However, regardless of the requirement of the venue, you should make sure to have a comprehensive insurance plan, including public liability.
Do musical instrument insurance plans also cover musical accessories?
Although the offerings of a musical insurance plan may vary from one insurance provider to the other, an insurance company with years of experience in the market does cover musical accessories. The accessories include - stands, mics, sheet music, cables, mixing desk, and sound systems, among others. An important thing to remember here is: your home insurance plan will not cover accessories.
Whether you are a student or a top-end musician, having a standalone musical instrument insurance plan is equally essential for all.
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