Claims guide

If you do need to make a claim it’s best to tell us about your claim as soon as you can, but no later than 60 days after the damage or loss happens. 

You can simply give us a call on 0344 391 4051 or fill in our claims form and our fantastic team will get your claim started.

Once your claim has started we’ll need to take down the details of what’s happened. It might be helpful to create an info sheet with pictures, instrument details, contact details etc.

• We’ll ask for proof of purchase/ownership or evidence of value of your instrument/equipment.
  
  
• If your instrument/equipment is stolen then we would ask for a Crime Reference Number so make sure to report it to the police as soon as possible.

If you’re making a claim because your instrument or equipment has been damaged, we will pay for the cost of repairs and for any depreciation in value that may come from the damage (but not exceeding your total sum insured for that item on your policy).

It’s worthwhile having a think about who you might want to take your instrument to. We’re happy for you to tell us if you have a preferred repairer or retailer that you would like to fix your instrument or equipment.  We’ll also cover the postage or similar transport of your instrument to and from the repairer for up to £500 for any one claim. If you’re using professional removals firms for pianos, harpsichords and organs we’ll cover this up to £2,000 per claim.

We understand that if the worst happens and you need to make a claim you’ll want to get back to playing as soon as possible. In some cases you might have a gig that you’re getting paid for or maybe even an exam, so we know that going without an instrument or your equipment at that time is not possible. That’s why, while your instrument is being repaired or in the process of being located, we’ll cover the costs to hire a loan instrument, so that you can carry on playing no matter what.