FAQs

Got a question about our cover?

FAQs

Choose a topic below to find out the most frequently asked questions.

What is the minimum / maximum age to get cover?

The minimum age for the main policyholder is 18. Public Liability and Personal Accident cover (if you have chosen to include this on your policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.

Can I include others on my Public Liability insurance?

When you are insuring your instruments; the policy would have to be in one person's name and this person would automatically get £1million of Public Liability. For an additional premium you can increase your Public Liability cover to £5million and include up to four additional band or group members who help support you in your music.

Do you cover computers, laptops or software?

Yes, computers and laptops can be covered if their primary purpose is for your music-related activity.

Computers, laptops and software arent included under Mechanical Breakdown cover.

Do you only cover UK residents?

Yes. You must be a UK resident and domiciled in the UK.

Is there an excess on this policy?

All insured items claims are subject to the following excess unless otherwise stated on your insurance schedule:

  • Cover for Insured Items - Excess payable = £75
  • Mechanical Breakdown for Insured Items - Excess payable = £75
  • Public Liability Property Claims - Excess payable = £500
  • Public Liability Injury Claims - Excess payable = Nil

For Public Liability claims, the first £500 of each claim arising from damage to third party property.

How can I pay for my policy?

You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.

I have previously made a claim. Will this affect my cover?

You need to tell us about any music related losses or claims you have had within the last three years whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as if not this could invalidate your cover.

How do you determine a like for like basis, should the item not be repairable?

Any offer we make to you will be determined by the features and specification of the insured item claimed for. This is based on the current market equivalent for products of a similar quality and specification and not the original cost of the item.

Can I get cover for any music-related Loss of Earnings?

Yes, our policy can cover pre-booked music related loss of earnings that are as a direct result of bodily injury caused by an accident that prevents you from attending either: your music-related profession, events, or any lessons.

We can cover up to £800 or 75% of pre-booked music-related events that you are no longer able to attend. Please refer to your Policy Wording for full terms and conditions.

Can I add or make changes to the policy at any time?

Yes, if youre a customer incepted after 23rd September 2019, you can make changes to your policy by simply logging in to your on-line account here, by calling us on:  0333 004 3888, or by emailing us at: support@guardcover.co.uk

You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.

If you bought your policy before 23rd September 2019 please call us on 0333 004 3888 or email us on support@guardcover.co.uk

If I choose the Mechanical Breakdown option, is all of my equipment covered?

Our Mechanical Breakdown option provides cover for repair costs to electrical instruments and equipment, guitars and basses that you purchased from new, are no more than five years old and are outside of any other warranty. Unfortunately, we are unable to cover laptops, tablets, desktop computing equipment and related accessories with this cover option.

Do you cover mobile or smart phones?

Unfortunately, we are unable to cover any mobile or smart phones on our music insurance.

Can I get insurance for a one-off event or just for a few days or weeks?

Our musical insurance for guitars is provided on an annual basis - we do not offer any cover on a short term or temporary basis.

Can I set up a policy on behalf of someone else?

As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.

What is Public Liability insurance?

Public Liability (also referred to as personal liability or Third Party Liability) provides cover for any music-related legal liability that results in an injury to someone or damage to their property and where you are held liable.

For more information on our Public Liability cover for musicians and what Public Liability cover can protect you against, you can consult our policy wording here.

Can you cover two addresses on the one policy?

If you need to cover your instruments at more than one address, please call our contact centre on: 0333 004 3888

We can then look to update the policy accordingly dependent on the policy and security requirements.

What value should I insure my equipment for?

For items that can be readily replaced with a new one (or with a similar model), the value should be the usual, undiscounted cost including VAT from a reputable retailer at the time you apply.

Are there any security requirements for my vehicle or where my instruments are kept?

At your insured location (This is where your instruments are usually kept and should also be your main place of residence or your music business premises or studio): For cover to apply while your instruments are at your insured location, the insured items must be kept within the main structures (must be brick or stone built) of your insured location and all normal security protections are in force.

Cover in an unattended vehicle: Theft or attempted theft from a vehicle will only be covered if your insured item is stored out of sight, in an enclosed storage compartment, boot or luggage space. All vehicle doors and windows must be closed and securely locked, and all vehicle security systems activated.

All insured items need to be removed and stored inside your insured location when your vehicle is at your insured location. In-vehicle cover does not apply when the vehicle is at your insured location.

Accidental damage that occurs in a vehicle is only covered if the insured item is in a purpose-designed equipment case. If your musical instruments are in transit with an airline transport provider, see the FAQ relating to airline cover.

For any theft claims, whether at your insured location, storage location or from a vehicle, you need to report the incident to the police and there must be evidence of forcible and/or violent entry or evidence of unauthorised access.

Am I covered to take my instruments abroad?

This depends on the options you choose. Included as standard with your policy, you are covered to take your musical instruments anywhere in the UK and up to 30 days worldwide in total during your period of insurance. If you need more extensive cover, you can choose our Global Travel option, which will extend your worldwide cover for the full policy period.

Whilst in transit, and under the responsibility of your transport provider, your gear isn’t covered if it is stolen and accidental damage cover only applies if your musical instruments are in a purpose-built storage case.

If I’m travelling on an airline with my instruments, am I covered?

Provided your musical instruments are in a rigid-bodied, purpose designed equipment case, they are covered for accidental damage. We regret that loss of baggage containing your instruments or theft of an insured item whilst under the responsibility of a transport provider is not covered with musicGuard.