No, we work on a total declared value. That way if you replace a bit of kit and forget to tell us you can rest assured that it will be covered. Our free 30% limit uplift ensured that most new purchases will also be covered without you having to tell us.

Yes – we will write the policy in your stage/band name and anyone performing with you will be covered under your policy – subject to the declared sums insured.

The excess is £150 per claim, not per item.

Yes, unattended vehicle cover is included as standard (as long as it is out of site and the vehicle is locked)

No, the venue’s policy will only cover their own negligence. If you or the band causes injury or damage through your negligence you will not be able to claim on the venues policy.

If the item insured is still being manufactured we will replace with new. If not then we will provide the next best equivalent. For one vintage items we will work with you to find a suitable replacement.

We have extended the cover to provide worldwide coverage for no extra cost, meaning you don’t have remember to tell us if you gig or tour abroad as you will automatically be covered.

Your sum insured has a free 30% uplift during the policy year to cover new acquisitions. For example if your sum insured is £10,000 then a further £3,000 of new acquisitions will be covered without you having to tell us.

The policy automatically cover equipment left in unattended vehicles as long as the equipment is out of sight and the vehicle is locked.

If you need to hire in extra kit for a gig or tour this can be added to the policy on a temporary basis. If your equipment is lost or stolen mid tour then you can hire replacement kit to complete the shows and the cost of the hire will be reimbursed as well as the replacement of the items.

There is no care, custody or control clause in the policy. This means that if you have to leave your equipment on stage, in a venue or studio it will be covered even if it is not in your care, custody or control.

Your public liability will cover you for all shows throughout the year regardless of location and capacity. This is subject to income from live performance being less than £100,000 per annum.

The public liability policy will cover all band members, session musicians and crew when working for the band. Equipment cover will always be subject to the total sum insured but will include equipment owned by any of the members or the band as a whole.