> Home > How to use this site

How to use this site

This is a step-by-step guide to show you how to get an online quote and take out a policy.

1. Get a quote
   The first step is to indicate the total replacement value of your instrument(s) - that's the price it would normally cost new and undiscounted, from a music store and also including VAT (if you have second-hand equipment, we will replace new for old in most circumstances). If you have a vintage or rare instrument, then the value should be what a reputable dealer will indicate in a professional valuation.
   We will then give you the lowest premium to insure this value for use anywhere in the UK.
2. Create your own cover
   Now you can start to add in the cover options that suit your needs.
   • Area cover
     This option allows you to specify the geographical area that you require cover for:
     • In the UK only
     • In the UK and EU (includes 30 days worldwide in any policy year)
     • Anywhere in the world at any time.
   • In vehicle cover
     This option covers your instrument(s) against theft from a vehicle. There are some important security conditions, so please take the time to read them.
   • Instrument breakdown
     Like an extended warranty, this option allows you to cover instruments and equipment against mechanical or constructional failure.
   • Public liability
     This option (also called third party liability) covers you against claims made against you should you cause injury or damage to property
     
     You can choose from 3 different levels of cover:
     • £1 million
     • £2 million
     • £5 million
     You can also extend this cover to include other people who perform with you. 
     
     The public liability option also includes personal accident cover, which pays out an amount of money should you suffer an injury whilst playing or using your instrument.
   • Reduce your premium
     If you want to reduce the premium, you can choose to pay a voluntary excess.
3. You have now created your own cover
   You now have 3 options:
   • You can save your quote and have it emailed to you for future use.
   • Continue through the application and take out cover online.
   • Spend the next hour hunting the web for another quote!
4. How to pay
   Once you've completed the application process, just choose how you wish to pay:
   • Online - by single payment by credit card
   • Online - over 12 monthly instalments
5. That's it - you're covered
   Within 3 working days we will send your welcome letter and confirmation schedule to you, which will list all the equipment insured and confirm all the components of the cover you have selected. You will need to download the policy wording via a link in the confirmation email or whilst completing your application.

Don't forget - you have 14 days to change your mind!

If you want to change details of the cover, you can contact us on 0345 450 6987 or you can now amend your policy online.