General advice on Keyboard Insurance

Before you buy music insurance, musical instrument insurance or any Piano insurance or Keyboard insurance consider the cover you require. You should consider how you play your Piano/Keyboard. We hope that the following may help you consider what options are right for you:-

ISN'T MY INSTRUMENT COVERED UNDER MY HOUSEHOLD POLICY?

That depends, consider the following...

  • If you take your instrument out of the home, say to school or a gig, you will need to check that your household policy covers this (normally an out of home extension is required).

    • Most home policies require theft involving force but in practice Instruments are most often left in unlocked rooms or store rooms.

  • This extension will normally have a single item limit. Is your Piano/Keyboard below this limit?

  • Will it cover loss/ theft from a building e.g. a concert hall/ school or if left on a school bus?

  • What is your policy excess (typically £100, £250 etc.).

  • Will a claim following damage to your instrument affect your Contents No Claims Discount (if applicable)

  • Will your contents insurers know where best to repair your instrument?

  • If you damage your Piano/Keyboard would your contents policy pay for a loan of a Piano/Keyboard to enable you to continue to play ?

WHY CHOOSE SPECIALIST INSURANCE FOR YOUR INSTRUMENTS WITH NEWMOON?
  • A specialist policy covers your Piano/Keyboard in and outside the home for the UK and can be extended to cover the Piano/Keyboard on a worldwide basis

  • A standard £0 policy excess applies (although you can consider taking an excess if required)

  • Policy extensions to include loaning of instrument.

  • Other benefits include:

    1. Worldwide, UK and Premises only cover options

    2. Theft cover

    3. Accidental damage cover

    4. Loss cover

    5. Unspecified musical accessory cover comes as standard – limit £350

    6. Unattended vehicle cover

    7. Hire costs in the event of a claim

    8. 14 days free cover when you borrow/acquire a new instrument (limit £3,500)

    9. UK wide repair network

  • Depreciation cover is included as standard within Newmoon’s policy

In addition to Drum insurance on the instrument you may be asked to play in public – for example at parties,

weddings etc. Often you are then asked for music Public Liability cover (musician liability insurance). Newmoon can provide cover for Public Liability from £22 for £1m limit of indemnity. We can also provide cover under band insurance – please call Newmoon on 01892 506884 to discuss.

Whilst Newmoon provide comprehensive Drum insurance players should still look after their instrument as Keyboard insurance and Piano insurance cannot cover everything and the following guidelines are we hope helpful:-

Portable Keyboard – consider case and transport. General maintenance should apply.

Piano – consider that you will need to tune the instrument (not insured) and general maintenance.

Ask - Your retailer will provide you with the best advice and servicing. Support your retailer.

With Mandolin insurance starting from just £21 why not call Newmoon on 01892 506884 and speak direct to an expert who can discuss your Mandolin insurance requirements. Or visit our Harmonic or Natural products at www.newmooninsurance.com to get an online Piano insurance or Keyboard insurance or musical instrument insurance quote.

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©2016 New Moon Insurance Services Limited. All Rights Reserved.

New Moon Insurance Services Limited is registered in England No. 6610290.Registered Office: Pine Grove Business Centre, Pine Grove, Crowborough East Sussex TN6 1DH. New Moon Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 706599. New Moon Insurance Services Limited administers music insurance in the UK on behalf of Ecclesiastical Insurance - prior to 1/6/19 Hiscox Insurance Company Ltd and upto 12/2/19 in ROI. After 13/2/19 Music in ROI is with Ecclesiastical Insurance. Gun insurance on behalf of UK General.

 D O'Loughlin & Co Ltd service Irish customers on behalf of New Moon Insurance Services Ltd upto renewal date 31/1/20. D O'Loughlin & Co ltd t/a O'Loughlin Insurance Group & Musician Insurance is regulated by the Central Bank of Ireland, Registered office Little North Street, Swords, Co Dublin.

 

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