Insurance FAQs

All insurance enquiries are handled by Ecclesiastical directly. You can call them on 0845 777 3322 option 3 or email insurance@makingmusic.org.uk

The summary of cover gives an overview of the levels of cover provided within the Making Music members’ insurance scheme. You can download the summary of cover here.

Public Liability insurance provides cover for bodily injuries to volunteers and employees for which the group is legally liable regardless of age.

Personal Accident insurance cover applies for injuries to members aged between 16-75 (unless your schedule states otherwise) who suffer accidents/injuries whilst carrying out the group's activities (regardless of the group's legal liability) which result in death, permanent disablement or temporary disablement.

NB volunteers are considered in the same way as employees for the purposes of insurance.

Unfortunately whilst the insurances can be extended to cover persons up to the age of 80 there is no facility to extend this age limit beyond 80.

Ecclesiastical covers musical directors who are engaged on a freelance basis as employees for the purpose of liability insurance, since the definition of an employee within the policy includes ‘any person supplied to you or hired or borrowed by you’.

Abandonment insurance is a useful additional cover to safeguard you against situations where you either have to cancel a concert and can’t recoup costs already paid out, or incur additional costs to avoid cancelling an event due to events beyond your control, for example if your soloist pulls out the day before a concert due to illness. Please check your policy documentation to be sure about what's covered, and what is excluded.

The cover is specifically designed and priced for the covering the irrecoverable costs incurred with cancelling or postponing an event. Any subsequent loss of revenue is not covered.

Abandonment cover provides some protection against cancellation due to extreme weather conditions, but only in situations where it would be dangerous to proceed. Ecclesiastical has published guidance on this area for events planned late 2010 and early 2011.

Please note that in the case of swine flu and other communicable diseases, abandonment insurance will not cover if the event is cancelled due to the intended venue having to close down and/or audience members being lower than anticipated following an outbreak.

Ecclesiastical has produced some useful guidance notes for charities covering such topics as the preparation and sale of food, health & safety, first aid and visits/outings. Click here to download the Ecclesiastical's charity guidance notes.

The policy is intended to cover the society for its liabilities and property owned by the society. Any property belonging to individuals should continue to be insured by the owner.

The standard block policy automatically provides cover for items on short term hire or loan to the society. You are able to extend the cover to include items which the society owns. Cover is provided on a new for old basis and as such the sum to be insured should represent the cost of replacing the item with a modern equivalent.

Any trailers should be preferably kept in a locked garage/compound and valuables removed when not in use. However providing they are secured with a wheel lock then they can be added to the insurance policy. Please note that no cover is provided whilst the trailer is being towed as this should fall to the motor insurance of the vehicle towing the trailer.