Features and Benefits

Helping you take care of the things that matter most

What our cover can do for you


No matter which genre of music you play, we know how much you value your equipment. That’s why we’re serious about providing the protection you need. Whether you're a budding musician or a regular performer, we take the same pride in covering your instruments that you do in creating music. Should you suffer an accident that damages your equipment, then our cover can help with the cost of a replacement. Similarly, if something happens to you during a gig, then our policies can help with your recovery and assist with legal fees. We have over 20 years’ experience protecting musicians against the worst that can happen and can make sure that the curtain doesn’t come down on your show, so take a look at our insurance policies below.

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Public Liability

Accidents can happen, especially if you’re a performing musician. That’s why we will protect you against third party damage or injury claims.

 

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Instrument & Equipment Cover

Our cover goes beyond standard theft and accidental damage and includes vandalism, attempted theft and even fire damage in the UK and abroad (up to 30 days). Security requirements apply.

Equipment Hire

Making a claim with us and still need an instrument? It’s covered as part of our claims service, up to £2,000 of equipment hire available if you need it.

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In-Vehicle Cover

Keep your equipment safe when you're on the road. Our policy automatically includes in-vehicle cover and up to £300 in vehicle damage costs in the event of a theft. Storage and vehicle security requirements apply.

New for Old Cover

No value depreciation on your instrument and equipment when you use our approved claims service, which are all handled by our own claims team – so no outsourcing to a third party. Evidence of ownership needed if you make a claim.

Loss of Earnings

Loss of Earnings

Had an accident resulting in a personal injury that's keeping you from performing? You shouldn't have to be out of pocket. We can offer up to £800 to cover the loss of your earnings.


Our optional extras


If you're after even more from your cover, then why not take a look at our optional extras? Our extended policies have been designed to protect musicians and their instruments, wherever music takes them. You can choose to extend your cover and benefit from our Global Travel extension, which provides up to £300 to cover damage to your purpose-designed equipment case while you travel anywhere in the world. Not only that, but you can also protect yourself against third party damage and injury claims to the tune of £5million with our extended Public Liability cover. Get this and more with our optional extras, which you can find more about below.

Global Travel

Global Travel

30 days travel cover not enough? If you’ve got a string of gigs lined up then you can extend your policy to include 365 days of global travel cover.

 

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Public Liability

£5m Public Liability

Option to increase your Public Liability cover up to £5million. You can also extend your insurance to include up to 4 additional band members.

 

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Extended Mechanical Breakdown

Mechanical Breakdown

It’s frustrating when your equipment breaks outside of its warranty. Our Mechanical Breakdown option can cover faulty kit that's up to 5 years old.