Our Policy

Please note this is a non-advised sale. You need to read the policy information and decide whether it is suitable for your needs before purchasing the cover. The policy summary below provides you with information that will help you decide whether the cover is appropriate

Who we are?
PLAYSAFE is a registered trading name of Media Insurance Brokers who are authorised and regulated by the Financial Conduct Authority.

Who is providing your insurance?
This insurance is underwritten by Hiscox Insurance Company Limited.

What kind of Policy is it?
The insurance provides worldwide cover for equipment and public liability for UK based bands or artists.

What is a policy summary?
This document provides key information about PLAYSAFE for bands. Full terms and conditions of the contract can be found in the policy wording, schedule and/or quotation. If you need more information, please consult the policy wording or contact your insurance broker, Media Insurance brokers on 0207 2875054
Policy name: Playsafe
Type of insurance: Commercial package
Underwritten by: Hiscox Underwriting Limited on behalf of Hiscox Insurance Company Limited

Significant features and benefits

Hiscox offer some of the broadest levels of cover available, giving our customers true peace of mind. All communications, including the policy wordings, are written in plain English with no jargon to ensure that you know exactly what is and, as importantly, what is not covered. This policy is specifically designed for bands musicians and artists and includes the following as standard:
Musical equipment cover which includes the following as standard:
Theft or damage to your musical equipment, including instruments, lighting and visual effects equipment, amplification equipment and mixing and editing equipment;
Theft or damage whilst your musical equipment is being used as part of your performance, being stored by you or being transported by you;
Cover for continuing hire charges you are liable for following insured damage to musical equipment that you hired in
Cover for the reasonable costs of hiring alternative musical equipment to carry out a performance following insured damage to your own musical equipment
Automatic cover for small additions musical equipment you purchase or replace during the policy period
Public and products liability cover which includes the following as standard:
claims made against you for bodily injury or damage to third party property as a result of your activities.
Optional additional cover: Employers’ liability cover which includes the following as standard:
claims against you for your legal liability for bodily injury to your employees.
Significant or unusual exclusions/limitations
You will normally have to pay an initial amount for each claim made against you under the policy. These excesses may vary and your quotation and policy schedule will show the specific excesses applicable to you.
You have an obligation to take reasonable steps to prevent accident or injury and to protect your property against loss or damage. You must also keep any property insured under this policy in good condition and repair.

PLAYSAFE Bands
Policy summary
PLAYSAFE Palladium House,
1-4 Argyll Street,
London, W1F 7TA
T 0207 287 5054

PLAYSAFE is a trading name of Media Insurance Brokers Ltd
who are authorised and regulated by the Financial Conduct
Authority (FCA). Our FCA register number is 310627.
Any claims, circumstances, incidents or shortcomings arising from your business activity which you knew about or ought reasonably to have known about prior to the inception of the policy are excluded unless notified previously.
Any special conditions, limitations or terms that may apply will be clearly shown in your individual quotation and schedule.
Musical equipment cover excludes the following as standard:
damage to musical equipment caused by inadequate packing;
damage to musical equipment whilst being cleaned, repaired, modified or maintained
theft of musical equipment from any vehicle unless kept our of sight in a locked compartment and all security measures on the vehicle being in force at the time the theft occurs
damage caused by wear and tear, inherent defect, infestation, rot, mould, fungus or any gradually operating cause
Public and products liability cover excludes the following as standard:
any claim arising directly or indirectly from your ownership, possession, maintenance or use of any aircraft, hovercraft, watercraft or any mechanically propelled vehicles and their trailers.
any claim arising from any abuse, assault, harassment, mistreatment or maltreatment
Employers liability cover excludes the following as standard:
claims against you for liability arising from the use of any vehicle subject to the road traffic act.
Your side of the bargain
Remember, your premium and insurance cover will be based specifically on the details you provide to us. So the information you give us will form a record of your unique combination of demands, needs and circumstances.
Please make sure the information you send us is complete and accurate, and inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of a policy. You need to bear in mind:
If you fail to disclose any information material to the insurance you could invalidate the policy and claims may not be paid.
You should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply.
Please be aware of all terms and conditions of your policy as failure to comply with them could invalidate it.
In the event of a claim, you should take note of the required procedures, such as prompt notice to us of the claims, as stated in the policy documentation.

As with any insurance, you have an obligation to take reasonable steps to mitigate any loss.
Duration of contract

Insurance contracts normally run for a period of 12 months and your contract period will be clearly shown in your schedule of
insurance.
Cancellation rights

If within the first 14 days of the period of insurance you decide that you do not wish to take this policy then we will give you a full refund of the premium and treat this policy as if it never existed.
If you decide to cancel this policy , and you have not made a claim, we will give you a refund for the remaining period subject to a minimum non-refundable premium of £10 excluding insurance premium tax. You may cancel the insurance by giving us 30 days’ notice in writing of your intention to do so.
We may cancel the insurance by giving you 30 days’ notice by post to your correspondence address shown in the schedule. We will return any premium you have paid for any period of insurance left.
Claims service

If you suffer a loss and need to make a claim you should contact your insurance broker Media Insurance Brokers immediately.
Telephone: 0207 287 5054
Email: claims@mediainsurance.com
PLAYSAFE Bands
Policy summary
PLAYSAFE Palladium House,
1-4 Argyll Street,
London, W1F 7TA
T 0207 287 5054

PLAYSAFE is a trading name of Media Insurance Brokers Ltd
who are authorised and regulated by the Financial Conduct
Authority (FCA). Our FCA register number is 310627.

If this is not possible the Hiscox claims team can be contacted during business hours on 0845 213 8899 (please select option 1or 2 as appropriate). You will need to provide your Hiscox policy number and full details of the claim, including the date, amount and circumstances of loss.
If you require emergency assistance in relation to substantial damage to your property; then you can call us directly using our 24-hour emergency assistance number (outside of normal business hours) on 0870 241 6257.
Our out of hours emergency assistance team operate on a pay and claim basis and you will need to have credit card details available as appropriate; the team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of significant loss or damage. Your policy schedule will reflect if property cover is included in your policy.

Hiscox prides itself on its fast, efficient, fair and sensible claims service. It is when you make a claim that you really find out how good your insurer is and we are confident that you will not find a better service in the United Kingdom.
Any questions? Any complaints?

PLAYSAFE
Our aim is to provide a first class service, however, if you wish to register a complaint, please contact us by writing:
The Complaints Officer,
Media Insurance Brokers Ltd, Palladium House,
1-4 Argyll Street, London W1F 7T
or telephone: 44 020 7287 5054 or fax: 44 020 7287 0679.
Hiscox

If you have any questions or concerns about the sale of your policy or the service offered by your broker, please speak to your insurance broker Media Insurance Brokers in the first instance. If you have any questions or concerns about the terms of your policy or the decisions regarding the settlement of a claim, please contact our Customer Relations team at:
Hiscox Customer Relations, Hiscox House, Sheepen Place, Middleborough, Colchester, Essex CO3 3XL
Or by telephone on +44 (0) 1206 773 705 or by email at customer.relations@hiscox.com
Our Customer Relations team will do all they can to put things right, but if you’re still not satisfied, we’ll tell you how to take you case to the Financial Ombudsman Service.
If for any reason we can’t meet our obligations to you, you may be entitled to compensation. In that case, rest assured we’re fully covered by the Financial Services Compensation Scheme (FSCS). For further information visit www.fscs.org.uk.

PLAYSAFE Bands
Policy summary
PLAYSAFE Palladium House,
1-4 Argyll Street,
London, W1F 7TA
T 0207 287 5054
PLAYSAFE is a trading name of Media Insurance Brokers Ltd
who are authorised and regulated by the Financial Conduct
Authority (FCA). Our FCA register number is 310627.