General Advice for Insuring your Instrument Accessories
We understand that many musicians will also acquire a lot of accompanying kit, which can become quite valuable as you add to it. But now you have accumulated a collection of accessories, should you now consider insuring it? 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 kit to be taken out of your home without imposing special terms or making additional charges?
Will they allow your instruments on the policy as well or would you need to source a separate provider?
Will the policy excess negate any repair or replacement costs for your items?
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 accessories be covered if you need to leave them unattended overnight at a venue or between a rehearsal and performance?
If you are taking your instrument accessories 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 accessory to be transported to/from the repairer?
Fund a loan replacement whilst your accessory can not be used?
Insist your accessory is repaired using their network of approved repairers or will you be free to choose who repairs your equipment?
Our Policies Include:
Cover for your equipment just in your home, or optionally across the UK & Ireland, all Europe and Worldwide.
Cover for you and your immediate family members to use your equipment within the cover limits, with no penalty
Cover if your kit is stolen
Cover if your equipment is accidentally damaged.
Cover if you need to leave your accessories temporarily in an unattended vehicle.*
Cover if you wish to loan your kit to a friend or colleague provided it is not for commercial gain.**
Cover if you need to leave your equipment 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.
We allow one small change to your policy each year FREE. This could be to add up to £2,000 worth of items, or if you wanted to take your instrument and accessories out of the country for a short period and you only have UK & Ireland cover.**
When you Make a Claim:
We reimburse the costs to transport your Harp to/from a repairer.
We fund the loan of equipment whilst yours is being repaired.
We pay for the repair or replacement of your accessories less our £15 policy excess.**
If your instrument accessories are 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 equipment (this includes the manufacturer). All we ask is that two quotes are submitted to ensure competitive behaviour 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.