When taking out your musical insurance policy you never know when you’ll have to make a claim.
We know for musicians this is a nightmare scenario. Aside from the emotional wrench, the cost of replacing gear could derail your tour and impact your band just when you’re about to explode. It’s important to make sure you’re covered so you’re not caught out and stuck with an expensive bill.
No matter how careful you are with your instrument and equipment, accidents are unavoidable – and nobody can help being the target of theft.
Insurance is an essential safety net, so don’t leave anything to chance.
1. Tell us straight away
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 or fill in our claims form and our fantastic team will get your claim started.
2. Providing information
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.
Here are a few tips to help find your instrument/equipment:
3. Think about who you might want to repair it
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.
4. Think about your replacement
If (upsettingly) your instrument or equipment can’t be repaired we will let you choose your replacement instrument – it can be brand new, second-hand, whichever you prefer (though not exceeding the sum insured for the insured item). We know that for many musicians your instrument and equipment is your livelihood, so getting a replacement is critical.
With our new for old cover, we insure your instrument for its replacement value, even if this is more than what the instrument cost to buy originally. So if you need to make a claim, we’ll pay out the amount for which your instrument was insured, so you can source another instrument of the same quality in the current market, particularly if your instrument was a vintage or rare make.