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Total Charge: £0.00 per year

Equipment Cover - N/A
People - 1
Public Liability - N/A
Personal Accident - N/A
Performance Cover - N/A
Worldwide Cover - N/A
Excess Waiver - N/A
Total Discount - N/A
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Policy wording and Information

Your quote:

People Insured - 1
Equipment Cover - N/A
Public Liability - N/A
Personal Accident - N/A
Performance Cover - N/A
Worldwide Cover - N/A
Excess Waiver - N/A
Total Discount - N/A

Total Charge*

£0.00

Monthly payment option available at checkout

*Including Insurance Premium Tax (12%) and an admin fee.

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Email quote Policy wording and Information

Please tailor your policy by selecting the options that you require.

Equipment Cover

Music Equipment Cover

X

Music Equipment cover includes:

  • Theft of Your Music Equipment from Your Home;
  • Theft of Your Music Equipment away from Your Home;
  • Theft of Your Music Equipment from a motor vehicle;
  • Accidental damage to Your Music Equipment;
  • Malicious Damage to Your Music Equipment; and
  • Loss of Your Music Equipment
  • Equipment will be repaired or replaced ‘New for Old’ or at market value*

*Music Equipment is replaced on a new for old basis for items purchased new and less than three years old or 18 months for laptops. Items older than three years will be replaced on an indemnity value. The excess on this section is £50, but from less than £1 per year this can be waived. A single article limit of £15,000 applies to this section.

If you'd like to add Equipment Breakdown cover to your policy, please choose Performance Cover below.

Cover your music equipment against theft, loss and damage. Simply choose the category that best describes the type of equipment you would like to insure and the total value.

More details »

Music Equipment cover includes:

  • Theft of Your Music Equipment from Your Home;
  • Theft of Your Music Equipment away from Your Home;
  • Theft of Your Music Equipment from a motor vehicle;
  • Accidental damage to Your Music Equipment;
  • Malicious Damage to Your Music Equipment; and
  • Loss of Your Music Equipment
  • Equipment will be repaired or replaced ‘New for Old’ or at market value*

*Music Equipment is replaced on a new for old basis for items purchased new and less than three years old or 18 months for laptops. Items older than three years will be replaced on an indemnity value. The excess on this section is £50, but from less than £1 per year this can be waived. A single article limit of £15,000 applies to this section.

If you'd like to add Equipment Breakdown cover to your policy, please choose Performance Cover below.

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£

Public Liability

Public Liability

X

Includes both Public Liability Cover and Professional Indemnity Cover.

Public Liability: Protects your legal liability for accidental bodily injury to any third party. Or accidental damage to any third party property which arises from your use or ownership of musical, entertainment, sound or lighting equipment. The total amount payable includes reasonable defence costs and expenses incurred by you. The excess on this section is £250 for damage to third party property. There is no excess for third party injury.

Professional Indemnity: Ensures that your legal position is protected against any claims made against you arising from a negligent error or mistakes in the advice or services you provide to a customer or client.

This option covers you in case you injure another person, damage another person’s property or cause damage to a venue you are playing at.

It also includes up to £1m Professional Indemnity Cover if you give advice to others.

More details »

Public Liability: Protects your legal liability for accidental bodily injury to any third party. Or accidental damage to any third party property which arises from your use or ownership of musical, entertainment, sound or lighting equipment. The total amount payable includes reasonable defence costs and expenses incurred by you. The excess on this section is £250 for damage to third party property. There is no excess for third party injury.

Professional Indemnity: Ensures that your legal position is protected against any claims made against you arising from a negligent error or mistakes in the advice or services you provide to a customer or client.

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Level: £1m £2m £5m
Charge: £27.00 £30.00 £36.00
You pay: £21.60 £23.25 £26.55
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What's included in each level?

Public Liability Level 1 Level 2 Level 3
Public Liability Cover £1m £2m £5m
Professional Indemnity Cover £1m £1m £1m

Who to Insure

Please select the number of people you would like covered by your policy.

Total number of people

Personal Accident

Personal Accident Cover

X

Ensures that should an accident occur whilst using music, entertainment, sound or lighting equipment you will be entitled to compensation. An excess of £50 applies to Dental Treatment.

Please note the following age restrictions:

  • If you are under 18, the death benefit is reduced to £1,000
  • If you are over 80, the benefits are reduced to £5,000 and there is no cover for permanent total disablement

Cover yourself against death, loss of limbs, loss or partial loss of sight permanent total disablement and dental treatment.

More details »

Ensures that should an accident occur whilst using music, entertainment, sound or lighting equipment you will be entitled to compensation. An excess of £50 applies to Dental Treatment.

Please note the following age restrictions:

  • If you are under 18, the death benefit is reduced to £1,000
  • If you are over 80, the benefits are reduced to £5,000 and there is no cover for permanent total disablement

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Level: 1 2 3
Charge: £15.00 £20.00 £30.00
You pay: £10.50 £13.25 £18.75
Select:

What's included in each level?

Personal Accident Level 1 Level 2 Level 3
Death £10,000 £20,000 £30,000
Loss of Limb £5,000 £10,000 £15,000
Loss of Sight £7,500 £10,000 £12,500
Loss of Sight (partial one eye) £5,000 £7,500 £10,000
Permanent Total Disablement £10,000 £20,000 £30,000
Dental Treatment £250 £500 £1,000

Extend your cover

Extend your cover

X

Includes Loss of Earnings, Equipment Breakdown and Equipment Hire.

  • If you aren’t able to attend your usual occupation following an accident we will cover you for a maximum benefit period of 52 weeks. Loss of earnings has an excess period of 14 days.
  • We will arrange for your equipment to be repaired or replaced if it breaks down. Any electronic equipment over seven years old from the date of manufacture is not covered.
  • We’ll cover the cost of the hire of alternative Equipment from a recognised dealer whilst awaiting the repair or replacement of insured property

Performance Cover will cover you for Loss of Earnings, as well as covering the cost of Equipment Hire and Equipment Breakdown.

More details »

Includes Loss of Earnings, Equipment Breakdown and Equipment Hire.

  • If you aren’t able to attend your usual occupation following an accident we will cover you for a maximum benefit period of 52 weeks. Loss of earnings has an excess period of 14 days.
  • We will arrange for your equipment to be repaired or replaced if it breaks down.
  • We’ll cover the cost of the hire of alternative Equipment from a recognised dealer whilst awaiting the repair or replacement of insured property

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Level: 1 2 3
Charge: £15.00 £20.00 £30.00
You pay: £10.50 £13.25 £18.75
Select:

What's included in each level?

Extend your cover Level 1 Level 2 Level 3
Equipment Breakdown

Equipment Breakdown

X

If your music equipment stops working because of a mechanical or electric breakdown or a defect, we’ll cover the cost of a repair or replacement. We even cover laptops if they’re used for your music.

 £250 £500 £1,000
Equipment Hire

Equipment Hire

X

Whilst your equipment’s out of action, we’ll cover the cost of hiring alternative equipment so you never have to miss a gig or performance.

 £250 £250 £250
Loss of Earnings (per week)

Loss of Earnings

X

Financial support whilst you’re out of work and unable to earn an income due to a serious injury you’ve suffered while using music equipment. You can claim for Loss of Earnings for up to 52 weeks.

 £250 £500 £750

Worldwide Cover

Worldwide Cover

X

If you require cover outside of the UK area you can upgrade to Worldwide Cover. There is no restriction on the amount of time you spend abroad however you must be a UK resident which means you must reside in the UK for more than 6 months of the year.

If you travel outside of the UK with your music equipment, add Worldwide Cover and you’ll be covered when you play abroad.

More details »

If you require cover outside of the UK area you can upgrade to Worldwide Cover. There is no restriction on the amount of time you spend abroad however you must be a UK resident which means you must reside in the UK for more than 6 months of the year.

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Charge: £0.00
You pay: £0.00
Select:

Equipment Excess Waiver

We’ll waive the monetary excess of £50 on equipment in the event you need to make a claim.

Charge: £0.00
You pay: £0.00
Select:
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© Copyright Ripe Thinking Limited 2022

Insure4Music® is a registered trademark and a trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority No.313411. Registered office: The Royals, Altrincham Road, Manchester M22 4BJ. Registered in England No. 04507332.