FAQ's

​Do you insure all instruments?
Yes, we insure all manner of instruments and their  accessories - if you can play it we can insure it!  Although we suggest it may not be worth insuring Dustbins, Saws and Woggles.
I am a parent and my child is the musician, should the policy be in their name or mine?
It depends.
  • If your child is over the age of 18 and the instruments belong to them rather than you, then YES the policy should be in their name. 
  • ​However, if they are under the age of 18 or the instruments belong to you,  keep the policy in your name.   You child will still be covered as our policies cover you and your immediate (child or spouse) family. 
If the policy is in my child's name, can I still pay the premium?
Yes.
Procedurally we make a note that you are an authorised contact for the policy.
Do you cover instruments taken to University and kept in Halls of residence or a local flat?
Yes.
You will need to make sure the cover selected is right for where the University is located (for example if the University is in the UK, then UK & Ireland cover will be need, if they are studying in Europe, ALL Europe cover will be needed).
Can I take my instruments abroad?
Yes.
We offer cover for All Europe and Worldwide
And, if your trip is infrequent or a one off, we can even arrange a temporary change for just the period you need, making it a lot cheaper as you only pay for the period you are out of the country.

​All you need to do is call in (0118 384 2025) and tell us what you need and we will do the rest.
Can I leave my instrument unattended in a car?
Provided cover for that instrument is not restricted to In Home or Student level, then YES, unattended vehicle cover is included in all other cover levels.
We expect the instrument to be out of sight and the vehicle to be locked, and unattended vehicle cover does NOT include vehicles where you can remove or lower the roof..
If you have a big instrument like a double bass or a harp then they can be stored in the passenger compartment, but we do ask you throw a sheet or a blanket over it to help deter casual thieves. 
What is the policy excess?
Just £15 per claim
You offer New for Old on your policies, does that mean I have to insure for the cost of a new one?
No, you have a choice:
- If you insure for the new value, then in the event of something catastrophic happening and your instrument is written off then we will pay up to the value insured to replace it or repair it. 
- You can insure your instrument for the cost of replacing it on the 2nd hand market.

What New for Old cover means is that when we receive a claim we do not consider the age or condition of your instrument when settling a claim.   So if you insure your instrument for £10,000 then we will pay up to £10,000 to repair or replace. 

CAUTIONARY NOTE: Whilst we are happy for you to insure your instrument for the 2nd hand value, please make sure you can replace it for this value as the insurer may limit a pay out if they believe you have insured something worth say, £50,000 for £10,000.
Do you offer cover for groups/bands/schools?
Yes. 
​Please contact us by phone if you wish to arrange cover, the number is 0118 384 2025.
Will you sell my information onto 3rd parties?
No.
We only share your information with people directly related to the administration of your policy or claim, unless compelled to do so by the appropriate authority, i.e. the UK courts, Police or to comply with UK Financial sanctions regulations
Can I lend my instrument to a friend?
YES, with conditions as follows:
- Your can not do this is you have In Home or Student levels of cover
- You do not charge for lending (for this you need ON loan/Hire level of cover)
- The excess when lent is increased to 10% of the insure value
- You will not benefit from theft cover, so make sure you know who you are lending it to.
0118 384 2025
[email protected]
A reliable and efficient service. I have been your client for over 20 years and they have always acted with the utmost efficiency and professionalism.   In my years as a customer I’ve had two spectacular claims on both occasions they were helpful, understanding, supportive and efficient with paper work, estimates and repairs. - Gabriella Dall'Olio
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