We've categorised our questions to help you find the answer to your question quicker.
If you still need help please send us a message or give us a call on 0330 100 9903
Public Liability is also known as third party liability and personal liability. This protects you against the cost of a claim if someone is injured, hurts themselves or damages property while you are using your equipment or instruments. We offer three levels of cover; £1 million, £2 million or £5 million.
Personal Accident Insurance covers you if you’re injured while using your instrument or any piece of entertainment, lighting or sound equipment. Our policy provides £10,000 worth of personal accident cover with each level of public liability. You’ll be able to claim for any of the below defined events: £5000 Payment: Loss of limb/sight/auditory power (hearing), £10,000 Payment: Permanent total disability or Death.
Unattended Vehicle Cover insures your musical equipment against theft or accidental damage while it’s locked in the boot of a vehicle, whether that’s for a quick stop at a petrol station, or an entire night. This is incredibly useful if you transport your instrument for lessons, touring or playing live.
Please call us if you have a particularly large instrument and are unsure how to store it while travelling.
This means that the downstairs windows or outside-accessible upstairs windows (such as windows that are reachable over a garage) of the premises where your instrument is kept must be lockable from the inside – a standard feature in most homes. While you do not need to have lockable windows as a standard requirement of your policy*, we do ask that you keep your windows latched and closed overnight or when the property is unattended.
*Please note that if your sums insured exceed £100,000, we do require you to have lockable windows.
Absolutely. You can make changes at any time, free of charge. If you need to add more instruments to your policy or decrease your level of cover as a result of selling, just let us know.*
*Please note that only the policyholder can make changes to the policy unless you contact us to authorise someone else to do this on your behalf. Adding instruments onto your policy may incur an increase in the pro rata-premium charged.