We have split the FAQ's into 11 sections - please click on the relevant link to see those questions.
About the cover
About proof of ownership
About the policy options
About equipment and instruments
About in vehicle cover
About insured locations
About working and traveling abroad
About the company
About the site
Problems opening or receiving documents
How to complain
About in vehicle cover
- 1) I run a mobile disco and store the equipment in my van at my home address. Can you provide cover for this?
- Sorry – no. Equipment must be kept within a building. Our in vehicle option does not cover permanent storage within a vehicle.
- 2) Would items be covered if left/stored in a trailer parked on the drive of your home address without being attached to your vehicle?
- Our in vehicle cover option is not intended to provide cover for items that are permanently stored in a vehicle. If you return late from a gig and it is unreasonable to unload at that time (due to waking neighbours, family or other residents) then the in vehicle option would cover that but is not intended that the habitual storage location is on your drive where it is possible and practical to remove the items into a more secure environment.
- 3) Would the policy cover the towing of a trailer (not necessarily the contents)? So if I was towing the trailer full of disco equipment and I had an accident, would I be covered third party?
- No – this should be covered by your motor policy. Most motor insurance policies will cover towing as part of the policy.
- 4) Does the vehicle cover include overnight parking with the equipment being left in the vehicle? The vehicle will be unattended.
- In vehicle cover option is not intended to provide cover for items that are permanently stored in a vehicle. If you are working away from home or return late from a gig and it is unreasonable to unload at that time (due to waking neighbours, family or other residents) then the in vehicle option would cover that but is not intended that the habitual storage location is on your drive where it is possible and practical to remove the items into a more secure environment.
- 5) Your policy states that a rigid case is required when transporting items in a vehicle. A rigid case for a double bass costs over £1000 and I can't afford that. What should I do?
- Insurance is provided on the basis of fortuitous losses, but regrettably transporting a fragile instrument without adequate packing is not classed as fortuitous as it could be prevented. So unfortunately you will either have to self insure (ie take the risk on the basis that the item is worth less than £1000) and pack the double bass very carefully or save up and buy a suitable case perhaps you could pick up a secondhand one to begin with.
- 6) The equipment that I have will not fit under the factory fitted cover or in the locked luggage compartment. How can I keep the items out of sight and satisfy the security requirements?
- We can confirm that we would cover the equipment in the back of your car, providing it is covered over so out of sight and if the total sum insured in the vehicle is over £10,000 or you have any one item over £3000, the vehicle will need to have either a Thatcham Category 1 alarm or Category 2 immobiliser. If the values in the vehicle are under this amount, the minimum security the vehicle will need to have is a Thatcham category 3 steering lock.
If you can't find an answer to the question you're looking for, submit your question and email address and we'll endeavour to get back to you as soon as possible with the answer. (Monday to Friday, 9am to 6pm only)
Questions marked with an asterisk (*) are compulsory.