Musical instrument theft is an all-too common occurrence which you should be aware of. Most home contents policies provide cover for named items; however, it pays to check the small print carefully. We've made a list below for you to check with your current insurer.
Even if you have a home insurance policy that includes named item cover, there are still many advantages to having a policy with a specialist insurer, as they usually offer cover for a much wider range of situations, and often with a lower excess than standard domestic policies.
Insurance policy checklist
- Does a child take the instrument to school or college? If stolen from a classroom or locker, household insurers tend to class this as loss and are unlikely to pay out. Newmoon covers loss.
- Do you use your instrument professionally? If playing or teaching with your instrument, household cover is unlikely to cover you in the event of a claim. Newmoon covers professional use.
- Do you sometimes take your instrument abroad? Unless you notify your insurer first, you may not be covered. Newmoon covers you for 60 days' travel outside the United Kingdom.
- Do you take your instrument out by car or public transport? If stolen from a car or left on a train, household cover may not pay out. Newmoon covers theft from a locked car as standard.
- What is your current excess? Newmoon has zero excess as standard.
- Repairs and replacements Will your household insurer know the best place to repair or replace your instrument?
- Replacement value Will your household cover pay out enough to replace your instrument? Newmoon policies are on a "New for old" basis.
Just Flutes is an appointed representative for Newmoon Insurance, who offer market-leading musical instrument insurance including cover against loss, theft and accidental damage - with zero excess as standard. Newmoon's policies are designed to meet the needs of all kinds of musicians at competitive prices. They have extensive experience of musical instrument insurance and empathy with musicians, instrument repairers and instrument retailers: the Newmoon team are musicians themselves.
As introducers for Newmoon, we have negotiated special discounts for new policyholders using one of the following voucher codes:
- If your instrument is valued at £1500 or less, use code JMM1M3 for one month free cover, via the Natural policy.
- For instruments values above £1500, use code JMM12411 under the Harmonic policy to get 12 months' insurance for the price of 11.
Newmoon Insurance Services Limited is registered in England No. 6610290. Registered Office: 85 High Street, Tunbridge Wells, TN1 1XP. New Moon Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. New Moon is authorised by the FCA under registration number 706599. New Moon Insurance Services Limited administers music insurance on behalf of Ecclesiastical Insurance. Jonathan Myall Music is an appointed representative of Newmoon Insurance and is registered with the FCA, number 498667