Musical Instrument Insurance

Two  products option

Natural

Use this option if you have a Free 1 Month Insurance voucher code for instrument value of less than £1500.

You can still select if you do not have a code and your instrument is valued less than £1500. Cover for your musical instruments or equipment at or close to home. Ideal for school chidren, beginners and novices not performing in public - see Features below.

Harmonic

Use this option if you have a 12 months for the price of 11 voucher code (UK Only) .

 

You can insure any instrument value under Harmonic. Cover for your musical instruments or equipment at or away from home and more. Ideal for any individual players or bands, from beginner to professional. You can add liability cover - see Features below.

What do these options insure ?

Our Natural product provides comprehensive accidental damage, loss and theft cover for musical instruments. It is designed to provide cover to musicians who have instruments valued below £1,500, play in the home or within 30 miles from their home.

You can select temporary worldwide cover (30 days e.g. for school trips) and have options on policy excess of £0, £100 or £250 and unattended vehicle cover. Premiums start from £23 (£21 with voucher discount code).

Our Harmonic product provides comprehensive accidental damage, loss and theft cover for musical instruments and can be extended to include Public Liability cover for musicians performance's (if your activities go beyond performances you may require additional public liability cover e.g. event insurance, Holistic/ Therapist cover - we recommend you buy specialist liability cover from various providers for these activities).

Harmonic is designed to be totally flexible and allow any value or number of instruments. It provides full annual worldwide cover as well as options for UK or premises only cover. You can select either £0, £100 or £250 policy excess and cover unattended vehicle cover on an instrument by instrument basis. Premiums start from £28 (£26 with voucher code).

Who is this insurance for?

Natural is designed for beginners, school children or the casual player.

Under Natural you will typically play at home, at a music tutors or school and have one or two instruments. You will be a solo unpaid performer.

Harmonic is designed for any musician – from a beginner to a seasoned professional. Whether you are paid or play for your own enjoyment, Harmonic is the policy for you.

Harmonic caters for musicians whether they play one instrument, have an ensemble of instruments or need overseas cover. You could be a solo performer, a band or band member and even a brass band.

Music ROI Customers

From 1st December any ROI customers will be redirected to MIS Underwriting website as they have taken over our music account for customers in ROI. This move is a result of BREXIT and ensure customers continue to get specialist cover. For the avoidance of any doubt Newmoon will not be involved in any renewals/ new business on or after 1st December 2020. 

Features and benefits

Natural

  • Accidental damage, theft and loss cover

  • Annual premiums from £23.00 including ipt and fees

  • Option on an instrument by instrument basis include:-

  • UK (including Channel Islands), Premises only

  • Temporary Worldwide cover (30 days – ideal for school trips)

  • Unattended Vehicle cover (conditions apply)

  • Policy excess (£0 standard) of £100 or £250

  • Automatic cover for Natural:-

  • Additional instruments up to £250

  • Hire cost following damage to an instrument up to £100

  • Accessories up to £150

  • Travel/postage costs up to £50 (approved claims only)

Wordings for policies commencing before June 1st 2019

Wordings for policies commencing on or after June 1st 2019

Harmonic

  • Accidental damage, theft and loss cover

  • Annual premiums from £28.00 including ipt and fees

  • Option on an instrument by instrument basis include:-

  • Annual Worldwide, UK (including Channel Islands), Premises Only cover

  • Unattended Vehicle cover (conditions apply)

  • Policy excess (£0 standard) of £100 or £250

  • Automatic cover for:-

  • Additional instruments £3,500 (for 14 days)

  • Loaning of instruments

  • Depreciation costs

  • Unspecified music accessories £350

  • Hire cover subject to approved claim

  • Travel/postage costs £250 (approved claims only)

Wordings for policies commencing before June 1st 2019

Wordings for policies commencing on or after June 1st 2019

 Wording for ROI up to 1st December 2020 

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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 Ecclesiastical Insurance from 1st November 2020 - prior to this date it was with UK General.

 MIS Underwriting from 1st December 2020 will take over the music ROI account. Prior to this date the account was manage by D O'Loughlin & Co Ltd service on behalf of New Moon Insurance Services Ltd . Both MIS Underwriting and D O'Loughlin & Co ltd t/a O'Loughlin Insurance Group & Musician Insurance are regulated by the Central Bank of Ireland, .

 

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