Of course it makes sense, doesn't it? But I'd be interested to hear from anyone who has been unfortunate enough to suffer damage to or complete loss of their instrument. What were the circumstances, were they able to make a claim and what was the outcome? For what it's worth I don't think I personally know any player who has had this experience, and the sum total of their expenditure in premiums must have been pretty substantial.
Iris, a now deceased former violinist colleague of mine forgot that she had left her violin case on the trunk lid of her car before she backed down her driveway. The case slipped off the car and one wheel of her car ran over it turning the violin inside into kindling. Fortunately the Otto Hoyer bow inside the case was undamaged. He case was the cheap "cardboard" kind that many cheap violins were carried in by pre-1950s school kids.
Again, nothing that happened to myself - thank goodness!
lol, Andrew. That sibilant, huh? ;)
Harmonia.de - it's a german insurance broker (but cannot gigure out why they shouldn't accept international clients) specialised on musical instruments, covers worldwide insurance and also against most events other insurance companies would exclude upfront. The process is very uncomplicated online. And they have a calculator on their website where you can calculate the expected fee.
Unfortunately it's only in german language...
Nuuska, don't let that stop you. Try Google translate for a start. It is good enough nowadays that you can figure out most of the text.
I've had several customers make insurance claims. Companies that specialize in string instrument insurance, Clarion, Total Dollar, Mertz Huber, never have a problem with the claim letters that are provided. It's the homeowners insurance companies that usually have some issue, they eventually pay, they don't seem to understand fine stringed instruments and bow, and make you jump through hoops.
Well, I do already have insurance from this company. I'm not german but a EU citicen, so at least they accept customers from within the European Union,.
Judging from the paucity of responses I'm starting to think that either a) nobody reading this has ever had to make a claim, or b) most of us don't bother to insure our instruments specifically.
Steve, something else to consider is any limitation your insurance company places on professional use. I am quite pleased with the coverage we get through our home policy with Amica, but it doesn't apply for professional use.
I use Clarion--their policy seems pretty robust except for the exception for theft while leaving the violin in your car.
I have Heritage insurance, I had one claim, for a few hundred dollars for damage to the instrument when something fell into my open case. The claim was submitted by my luthier, paid without any hassle and I never had to do a thing.
Honestly I don't think big insurers are going to waste time quibbling about details on a policy for something valued in the range of $10,000. Cars worth several times that amount are totaled out every day. I have a homeowners rider with Allstate for my violin. The agent advised me to update the insurance appraisal every five years, so I'm probably due.