Instrument Insurance
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.
And as a customer of Just Flutes Newmoon are offering you a special discount as a new policyholder of 12 months insurance for the price of 10!
Your policy with Newmoon will cover your instrument(s) for
- Accidental Damage, Loss and Theft
- Standard cover comes with £0 excess in the event of a claim.
- Theft from a locked unattended vehicle included as standard.
- Cover for single and multiple instruments all on one policy.
- Cover for your instruments whether you are a paid musician or just playing for your own enjoyment.
- Cover for your children’s instruments with you as the policyholder.
- UK, Worldwide or Premises only cover available.
- Free cover for your accessories up to £750 per claim (for accessories valued between £10 and £350).
- 21 days grace cover for instruments purchased or borrowed (maximum value applies).
- Discounts for ISM, BFS, MU members and many more musical associations.
- Hire costs in the event of a claim up to £1000.
- Select a repairer of your choice.
- Public Liability cover available as an option up to £5m
- No admin fees.
Prefer to speak to Newmoon? Call them on 01892 280323 and they will be happy to help you and answer any questions you may have.
New Moon is a trading style of Noble Insurance Services Limited authorised & regulated by the Financial Conduct Authority Firm Reference Number 305884. Just Flutes is an appointed representative of Newmoon Insurance and is registered with the FCA, number 498667.