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Insure4music offers specialist music insurance for all of those who work in the field of music from amateurs to professionals, from music teachers to solo performers (singers to musicians), and from bands to orchestras and DJs to sound equipment.
The Music world is a unique environment and speciality insurance is required to reflect this. Often, household insurance policies do not provide sufficient cover for the musician or for their expensive instruments and, in some cases, may not provide cover at all.
Insure4music can provide this insurance for all eventualities, in an extremely flexible framework. They cover a vast variety of instruments, genres and artists. In addition to the UK, worldwide cover is also possible and multiple instruments can be insured on the one policy.
Equipment cover is provided to cover theft of instruments and equipment, whether it be from home, away form home or from a motor vehicle and against accidental damage, malicious damage and loss. For the performer or teacher, public Liability cover is essential and is offered in addition to personal accident insurance and performance cover for loss of earnings, equipment breakdown and music equipment hire.
Insure4music is part of Ripe Insurance Services Limited, a company with 20 years of experience, which prizes easy, simplicity and value.
In addition to peace of mind, Insure4music is so confident of its low pricing structures that it offers a lowest price guarantee: that if in the 14 days after taking out the policy you find another which matches your needs for cheaper, they will refund the difference. Further, they do not charge more for choosing to pay monthly and, if you need to claim, there will not be a premium penalty following this. They also offer a full refund of your premium if you decide within the first 14 days that the policy is not right for you and you have not claimed.
Insure4music has a particularly informative website. In addition to advertising and describing their services, it is possible to access their Frequently Asked Questions section and find out about their UK-based customer service team (in operation Monday to Friday 9am-5.30pm). Existing customers can also log in to their account.
A particularly interesting feature is their blog, with informative articles ranging from ‘best European Music Festivals’, to the ‘best powered speakers for DJs’, to advertising that, in 2018, the company were ‘nominated for an instrument choice award’.