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Brass Band Insurance Features & Benefits
Our Harmonics Plus policy is designed to meet the needs of Brass & Silver Bands. Our Brass Band Insurance is designed around you and can be tailored to meet your needs. You can quote and buy online or our highly experienced team can help you arrange your insurance by phone.
In Addition to a comprehensive insurance policy from a Musicians Insurance specialist we also support the Brass Band community through providing our 'Band Aid' discount to all Brass and Silver Bands to leave you with more money to spend on Band activities.
What we offer...
Our Harmonic Plus policy is designed to meet your specific needs. In addition to all the cover and benefits of our Harmonic policy it includes the ability to cover Buildings, Employers Liability, Trustee Liability and more.
- Cover for accidental damage, loss, and theft.
- Cover can be at your premises, United Kingdom or worldwide depending on how you use each instrument.
- Standard cover comes with £0 excess (£100 and £250 available) in the event of a claim.
- Theft from an unattended vehicle included as standard.
- Cover for single and multiple instruments all on one policy.
- Our policy allows you to choose unique cover on an individual instrument basis
- Harmonic will cover your instruments regardless if you are a paid musician or you are just playing for your own enjoyment at home.
- Free cover for £750 worth of musical accessories (per claim limit of £750) and anything else you use to play your instrument that is valued between £10 and £350.
- Courier costs are covered in the event of a claim up to £250.
- Hire costs in the event of a claim up to £1000.
- Cover is included for instruments (loan/approval) valued under £3,500 for up to 21 days that you become legally responsible for.
- Depreciation after a covered repair if your instrument has reduced in value due to the damage.
- Postage cover when you send an item off to be serviced (return cover should be covered by the repairer) subject to the territorial limits selected for that item.
- Temporary loan cover for anyone using your instruments with your permission on items valued up to £25,000.
- Public Liability cover including Music Teaching is available as an add-on to your policy up to £1, £2 or £3 million.
- Buildings Insurance for band premises can be included.
- Contents insurance covering band regalia and repairers workshop equipment
- Trustees' and management liability protecting the directors and officers of the band.
- If you have employees, temporary workers or volunteers we can extend cover to include £10 million Employers liability insurance.
- Music Teaching Public Liability
- Cover for Money up to £5000 including assault extension
What is Band Aid?...
We are delighted to welcome you to our Band Aid programme.
We believe our Brass Band Insurance policy provides leading cover and competitive premiums but we wanted to do more for the Brass Band community.
Following discussions with Brass Bands regarding their Brass Band Insurance requirements, we tried to understand the problems and issues which you face today. Whilst costs are always important many of the bands we spoke to told us of the problems of getting new members, retaining players and the general running and admin of a band. Some bands raised concern over the average age of their band members and the desire to recruit younger and new players.
We wanted to help. As a specialist provider of music instrument insurance we want music to remain a core feature of local life. We therefore set about developing Band Aid.
To help you develop your Brass Band we provide direct financial support back to you with the specific aim of developing your Brass Band. In the past this has typically been in the form of a payment from us to you following the arranging of your insurance policy, from April 2024 your policy will receive a discount for the same amount meaning you don't have to pay the higher amount upfront and wait for us to send you the cheque.
All Brass Bands insuring with New Moon will automatically receive a 7.5% discount, if you are a member of Brass Bands England this is increased to 10%. This discount applies each year.
We know that this won't solve all the challenges your band faces but we hope that the saving you are making will make things just a little bit easier.
New Moon are proud to be a long term partner of Brass Bands England.
