Original sales purchase or till receipt or other evidence of ownership which clearly demonstrates ownership. This may include bank/credit card statements or a dealer valuation including photographs of the equipment. Any evidence should clearly show the date, price paid and details of the music equipment.
If your equipment is being replaced on an indemnity basis a deduction is made for wear and tear.
Yes providing they live with you at the same address.
No we do not require you to list your equipment. You will need to provide evidence of ownership in the event of a claim.
Yes we will repair or replace your equipment as new providing it was new when you purchased it and is less than 3 years old for instruments or under 18 months old for laptops. If your equipment was new when you purchased it or it is over 3 years old we will repair to the standard it was before the accident happened or if it is beyond repair we will replace it on an indemnity basis.
If your equipment is ever lost, stolen or damaged beyond repair, we’ll replace it New for Old up to the sum insured for instruments less than 3 years (laptops and computers less than 18 months old).
If you want to insure equipment that is older than 3 years old, which still may be worth a lot of money as it could be vintage then we will replace it at market value.
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We are only able to cover the music equipment. We do not currently provide cover for buildings or general contents.
Yes providing you have included the value of the case and the accessories in the amount you would like to insure.
You can insure up to £50,000 of equipment, the most we can insure for one piece of equipment is £15,000.
Yes, you are covered for any audio or visual equipment used directly in connection with your music or the band.
We only offer annual premiums as insuring for one off events or gigs in most cases can work out more expensive.
Yes, providing the equipment is out of sight in either a locked boot or covered luggage area and the vehicle is securely locked and all security devices are in operation.
Yes providing the equipment is secured in the building or a secure locker and there is evidence of violent entry or exit to the building or locker. The equipment must not be left for more than 72 hours.
Laptops and tablets are only replaced new for old if they were bought new and under 18 months old.
We are also unable to provide equipment breakdown to electronic equipment over 7 years old but this does not apply to electric guitars.
Yes but please contact the claims department first in order to obtain permission.
We do not provide cover for theft of equipment which is left unattended in the open.
We are unable to provide cover for smartphones or other mobile phone devices as these are used for reasons other than music. However we can cover laptops and tablets providing they have been used directly in connection with your music.
Yes, providing they are named as a band member under the policy.
Providing you have selected the worldwide extension and you are not out of the country for more than 6 months of the year you will be covered to use your equipment abroad.
Only in the event of a claim, we do not need this when the policy is taken out or just after.
Public liability covers your legal liability should you injure a third party or damage their property. Many venues will ask you to provide evidence of public liability in case you damage their venue, or injure a member of the audience when you are performing.
For policies incepted from 1st Jan 2016 and onwards
Please call the claims team on 0800 112 4054 or email firstname.lastname@example.org
There are no age restrictions to take out a policy however the limits for Personal Accident cover do vary dependant on age. These are:
Yes, you can pay monthly on premiums over £50 at no additional cost. We are one of the few music insurance providers who offer 0% APR on a payment plan. Our monthly payments are arranged by our partner Premium Credit Limited. You will be required to pay a 20% deposit and the remainder will be split over 9 equal monthly payments.
You will need to inform us so we can update your policy. You can add, remove or swap any band members at any time during your policy period.
We are one of the UK’s leading specialists in niche insurance products. Over 200,000 policyholders have already chosen Ripe for their sports, leisure, personal and business insurance. Our fresh approach to insurance is all about making insurance easy-to-buy, simple-to-understand, jargon-free and excellent value. We ensure that our insurance practices not only meet but exceed the standards set by the Financial Conduct Authority, giving our customers a clear understanding of our insurance products and providing a first-class insurance service. Find out about how we do things differently here.
No, insurance premiums are subject to Insurance Premium Tax (IPT) rather than VAT.