Orchestral equipment insurance from Orchestralguard

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Please note: the explanation of terms below is intended for guidance only; for contractual definitions, refer to the policy wordings.

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Accessories - items such as cases, music stands, bows, mutes or other items used to tune or play the instrument. Accessories must be over £100 in value. See also unspecified accessories.

Annual payment - a one-off payment in advance to cover a year’s insurance. This is the cheapest way of obtaining cover.

Annual policy - all Orchestralguard policies, even when paid by direct debit, are annual policies and cover you for a full 12 months unless cancelled by either party under our standard cancellation terms.

Associates - this is our term to describe other people you wish to include on your public liability/personal accident cover. These can be other members of your orchestra or ensemble, assistants or colleagues but they must be resident in the UK.

Breakdown - this provides cover for any insured musical instrument against failure due to a mechanical or constructional defect in operation. If you select breakdown cover there is a £50 compulsory excess for each and every item. If you choose a voluntary excess, this will not be in addition to any compulsory excess.

Commencement date - the date that the policy starts.

Diminution of value - this covers against any loss in value to your instrument should it need to be repaired. This cover is included as standard with every Orchestralguard policy.

Evidence of ownership - to pay out for an insurance claim, we need to be certain that you were/are the owner of the insured items. Evidence can be shown by, for example, an original receipt clearly showing the item and date of purchase. Alternative evidence can include a bank or credit card statement, photographs, a copy receipt from the retailer, packaging or literature.

Excess - this is the amount of money that you contribute towards the cost of a claim. With Orchestralguard there is no excess as standard on instrument insurance, but you can choose to pay a voluntary excess – and doing so will reduce your premium, typically by around 12.5%.

There is a £500 excess for claims made for damage to a third persons property.
There is a £50 excess (for each and every item) for breakdown claims.

See also minimum claim.

Forcible and violent entry - entry to a property that clearly shows damage to the lock, building, room or vehicle, caused as a direct result of theft.

Hire of instrument - Orchestralguard’s version of a courtesy car! Orchestralguard cover ensures that you are able to keep playing if your instrument is stolen or damaged. We will pay for the hire of alternative instrument whilst yours is awaiting repair or replacement (subject to an approved claim).

In vehicle - this covers the instrument whilst transported in a vehicle. When at the insured location the insured property must be removed from the vehicle. This does not cover the instrument whilst in transit unless it is kept in a rigid-bodied case. See also security requirements.

Instrument - our collective term for pianos, stringed, woodwind, brass and percussion instruments.

Insured location - this is a single, specified place where you store the instrument, typically your home or studio.

Locked luggage compartment - this can be:

  • A locked car boot
  • A locked rear storage area of a hatch-back, four wheel drive, MPV, SUV or estate car, subject to a factory fitted cover being in place (where the cover isn't available, items must be kept out of sight)
  • A locked rigid bodied van, mini bus or camper van providing the windows have been obscured and providing any items are in a compartment of the vehicle that is not accessible from the drivers area or, where the compartment is accessible, kept out of sight.
  • A rigid body fully enclosed trailer attached to a vehicle by a shackle bolt.

Minimum claim - we don’t handle claims for less than £100 – any claim over this amount is for the full amount and no excess is deducted (unless you have chosen to take a voluntary excess).

Musician - our collective term to describe people that play orchestral or classical type instruments.

Period of insurance - the length of time for which you are covered, all Orchestralguard policies run for a period of 12 months even when being paid by monthly direct debit.

Personal accident - if you have an accident whilst playing or using your equipment, this provides cover up to £10,000 for death & permanent total disablement and £5,000 for loss of limb or eye.

Personal liability - this is the same as public liability.

Policy summary - this is a brief outline of the terms and conditions including any significant exclusions or conditions of an insurance policy. The summary is not a substitute for reading the full policy wording.

Policy wording - this sets out in full the terms and conditions of your insurance cover. It is essential that you read the wording and comply with any terms and conditions it sets out. We have made it as straightforward as possible to read and understand.

Much of the information provided on this site is for guidance – only the relevant policy wording can be taken as a binding contract.

Premium - the amount you pay (either a single amount in advance or by credit agreement with Thistle Insurance Services Limited) to provide annual insurance cover for your instrument(s).

Property - when we refer to property we don’t only mean buildings but also personal items, such as a laptop, a table or car… basically anything!

Public liability - this provides cover against damage to persons or property caused by your proven negligence. Orchestralguard includes £1 million cover as standard but you can upgrade to £2 or £5 million.

Replacement value - this is the price an item would normally cost new in a store including VAT rather than a specially discounted or sale price or ebay bargain!

Serial number - the unique code that identifies your instrument. It is essential that we have the serial number for any item valued over £750. You do not need to have the number in order to apply for cover, but the serial number (and proof that it relates to the item insured) will be required in the event of a claim.

Sum insured - this is the total value of your instrument(s) and accessories.

Terms of business - the basis on which you do business with us. Click for more information.

Third-party liability - this is the same as public liability.

Unspecified accessories - items less than £100 in value but more than £30 in value – to a limit of £250.

Voluntary excess - an excess is the amount you contribute towards the cost of a claim. Paying a voluntary excess will reduce your premium BUT in the event of a claim, this is the amount that will be deducted from your claim.

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