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Re: Brass Band Insurance

To: brass-band@xxxxxxxxxxxxxxxxxx
Subject: Re: Brass Band Insurance
From: Crismyk@xxxxxxx
Date: Sun, 6 Feb 2000 04:15:09 EST
Priority: low
Reply-to: brass-band@xxxxxxxxxxxxxxxxxx

I can offer the following general advice. You should approach an authorised
person for specific advice.

It is always best to go get a series of competitive quotes via a broker or by
responding to an adverisment from a company who advertises for direct
business. It also may be cheaper to cover the instruments by an extension to
another policy such as a household policy or a policy held by an organisation
for its property.

There are also issues on the extent of the cover e.g.. Loss of property,
accidental damage, all risks, secondhand value versus new for old. Vaue of
excess i.e. the amount the insurer does not pay in the event of a claim.

You will find some adverts for insurance in the programme for the recent RNSM
Tuba Festival.

Finally check out the reputation the insurer has for claims handling. This is
the ultimate test!

There is a code of conduct for selling general insurance and a ombudsman
scheme in the event of a dispute.


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