Accidental damage is covered, including cracks from knocks, drops, and accidents. Gradual wear like pad and cork aging isn't insurable, which is true of any policy.

Can I insure my whole double case on one policy?

Yes. Clarinets, oboe, English horn, bass clarinet, and everything else live in one collection, each at its own declared value.

Is my instrument covered on tour or at festivals?

Yes. Coverage is worldwide, includes checked airline baggage, and fully covers professional use.

What does Ramble insurance cover?

Ramble provides worldwide, all-risk coverage for musical instruments and related equipment. You're protected against theft, accidental breakage, fire, lightning, water or flood damage, vandalism, damage caused by vehicles, and even mysterious disappearance, subject to policy terms.

How much does Ramble insurance cost?

Policies start at $175 a year. Above that, the premium scales with your collection's total insured value, the deductible you pick, and the mix of gear, since instruments, computer equipment, and general business property are each rated differently. You'll see your exact number during the application, before you pay anything.

What is the deductible?

The policy has a low $100 minimum deductible per claim (not per item). Flood and Earth Movement have a separate deductible equal to 5% of the item value.

How do I get a quote, and how long does it take?

First you catalog your gear, by uploading photos, typing or talking through what you own, or dropping in a spreadsheet. Then you start an application, pick the items you want covered, and answer a short form. Your quote appears immediately, and you can pay right there. Most applications are approved in one business day or less.

Woodwind insurance.

Woodwind insurance covers clarinets, oboes, bassoons, and your doubles against cracks, drops, theft, and travel losses worldwide, and at Ramble it starts at $175 a year with a $100 deductible. Every instrument in your double case goes on one policy at its own declared value.

Price: From $175 a year, plus a $10 fee
Deductible: $100 per claim, not per item
Coverage: Worldwide, all-risk, professional use included
Approval: One business day or less
Claims: Paid by check online as fast as 24–48 hours after approval

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01 THE ECONOMICS

Small instruments, serious money.

Woodwind money hides in plain sight. A professional oboe from Lorée or Marigaux runs around $10,000 and has a working prime measured in years, not decades. A Heckel bassoon carries a waiting list measured in years and a price tag deep into five figures, and good used ones appreciate. Even a matched pair of professional clarinets is the price of a decent used car. Ramble insures each instrument at your declared value, and you can update it whenever the market moves.

02 THE CRACK

Cracked joints and drops are covered.

Every woodwind player knows the sound a cracked top joint makes in their stomach. A knock at the wrong moment, a drop on a hard floor, or a case latch that wasn't quite closed produces the classic losses. Accidental damage is covered with a $100 minimum deductible per claim, alongside theft, fire, water damage, and even mysterious disappearance, subject to policy terms.

03 DOUBLERS

One policy for every double you carry.

Serious woodwind work multiplies instruments, since clarinetists carry matched pairs, oboists add the English horn, and the bass clarinet book pays too well to turn down. Every instrument lives in your Ramble collection at its own declared value, on one policy, with one deductible structure, managed from one dashboard.

04 EASY

Catalog the whole case in one sitting.

Photograph the instruments or list them, and Ramble's chat uploader identifies each one and builds your valued collection. Apply straight from it, answer a few quick questions, and your quote appears immediately, with approval in one business day or less. Our concierge team will happily do the cataloging for you.

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