Percussion Insurance

General Advice on Percussion Insurance

Purchasing your drum kit or other percussion instruments is a considerable investment, both financially and emotionally and making sure you get the right kit is not an easy activity as the composition of every kit is so unique.
But now you own your drums how do you protect your investment? How do you choose the right insurance cover and just as importantly who do you trust to work with you when something goes wrong?
This is where we hope you will find our experience on this subject useful:

Could I use our household insurance provider?

Possibly, but consider….

Will they allow your drum kit to be taken out of your home without imposing special terms or making additional charges?
Will they understand that your instruments are not an item of furniture and can’t be replaced as simply as choosing another out of a catalogue and that repair needs to be done by specialists or the manufacturer?
If they allow you to transport your kit, will they provide unattended vehicle cover for those situations when you need to leave it unattended in a car? For instance, at a petrol station or when you need to check in at venue before you can unload?
Will your instruments be covered if you need to leave it unattended overnight at a venue or between set-up and performance?
If you are taking your kit to a School or University and need to leave it there, will you still be covered?
Will you be able to speak to someone who understands your needs, or will you be calling an impersonal call centre and ‘be taken through the process’?

When making a claim will they:

Pay for your drum kit to be transported to/from the repairer?
Fund a loan replacement whilst your drums can not be played?
Insist your drums are repaired using their network of approved repairers or will you be free to choose who repairs your kit?

Our Policies Include:

Cover for your drum kit just in your home, or optionally across the UK & Ireland, all Europe and Worldwide. We even have options if you loan your instrument(s) commercially or are part of a school/college or university.
Cover for you and your immediate family members to use your kit within the cover limits, with no penalty
Cover if your drum kit is stolen
Cover if you drum kit is accidentally damaged.
Cover if you need to leave your kit temporarily in an unattended vehicle*
Cover if you wish to loan a piece of your equipment to a friend or colleague provided it is not for commercial gain**
Cover if you need to leave your drum kit unattended at a venue between rehearsal and performance
We include £1m Public Liability cover free of charge, with an option for larger values if needed

When you make a Claim:

We reimburse the costs to transport your kit to/from a repairer
We fund the loan of a replacement instrument whilst yours is being repaired
We pay for the repair or replacement of your instrument less our £15 policy excess**
If your drum is written off, our policies provide New for Old cover**
We work with and support you though the whole claims process.
We do not use a network of repairers, allowing you to choose who you trust to repair your drum (this includes the manufacturer). All we ask is that two quotes are submitted to ensure competitive behavior from the repairers (but you chose the two repairers)
We are happy to pay the repairer directly thereby avoiding the need for you to pay and then reclaim from us.
When you call in to advise us of a claim, we even complete the claim form for you based on what you tell us.

What is more, you can insure all your instruments (from an Accordion to a Zurna), on a single policy and enjoy the same benefits. We can be contacted on 0118 384 2025 Monday to Friday 10am - 6:30pm
To help compare our policies against other providers, we have followed the FCA guidance on producing an Insurance Product Information Document (IPID) anyone you consider using to insure your Harp should be able to provide their version of this document.

[*] Where cover provided outside your home
[**] Terms and conditions apply