We know that having the right insurance cover is important. Our FAQs should answer all your questions, but if you have a query that isn't covered just get in touch and we will be happy to help:
Phone: 020 7939 6030 (Monday to Friday, 10am – 5pm)
Email: info@makingmusic.org.uk
About the different packages
The basic answer is that amateur groups do not pay their members anything at all to perform (apart from travel and sustenance expenses) whereas professional groups do. They are eligible for full membership and the lower insurance premiums. Semi-professional groups can of course also join Making Music, but as Associate members; and pay the appropriate Associate member insurance premium. Professional groups can join Making Music as Associate members but must contact Finch direct in order to obtain an insurance quote.
We appreciate that there are some grey areas to this which include:
Scenario 1: a group of amateurs, but which reimburses members' expenses, e.g. for travel and sandwich. Making Music will accept such a group into Full membership and so the group is eligible for insurance at the lower rate (provided that the group meets other Full membership criteria).
Scenario 2: a group of amateurs, but rather than reimbursing on receipts, the group give their members a fixed amount for a gig which roughly corresponds to expenses, e.g. £50. Making Music will accept such a group into Full membership and so the group is eligible for insurance at the lower rate (provided that the group meets other Full membership criteria).
Scenario 3: the musicians in the group have a day job and don't earn their living by carrying out the activities of the group, but members of the group get paid £100 each for each gig/performance. Making Music will only accept such a group into Associate membership and so the group is only eligible for insurance at the higher rate.
Simply call or send an email to Making Music’s insurance broker Finch (Tel: 0118 334 8868) makingmusic@finchinsurance.co.uk who will provide you with a quotation to include the additional cover you need.
You should ask for a ‘Custom’ quote if:
- Your income exceeds £100,000 a year
- You need cover in excess of the ‘Brass’ level, e.g. a higher level of property or cancellation / abandonment cover
- You need different insurance, e.g., buildings insurance, instruments or equipment cover
No – you will need to purchase ‘Silver’ cover if you require property cover.
Some but not all sections of the policy include cover for outside of the UK.
Public Liability: All Making Music insurance policies include public liability cover up to £5million; this section of the policy provides cover in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man, any member country of the European Union, Iceland, Liechtenstein, Norway and Switzerland.
Employer’s Liability: All Making Music policies also includes Employer’s liability cover up to £10million; this section of the policy provides UK wide cover for the group’s activities. This includes cover in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.
Property cover: The ‘Silver’ and ‘Gold’ insurance packages include differing levels of group owned property cover. All property is covered in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man, any member country of the European Union, Iceland, Liechtenstein, Norway and Switzerland.
All sections of the policy are governed by the relevant law of the United Kingdom, the Isle of Man or the Channel Islands depending upon your address as shown in the Schedule. If there is any dispute as to which law applies, then UK law will take precedent.
About your policy - admin
You can find your documents by logging in to your account and visiting your dashboard. If you have purchased custom cover, there may be a 24-hour delay before these are made available.
All insurance enquiries are handled by Finch. You can call them on 0118 334 8868 or email makingmusic@finchinsurance.co.uk
A summary of cover provides the significant benefits, features and limitations of the cover. The full terms, conditions and exclusions of your policy can be found in your policy wording, so please take time to read it in conjunction with the policy schedule and make sure you understand the cover provided.
If this cover does not meet your requirements, please return all your documents to makingmusic@finchinsurance.co.uk. If cover has not yet started, you will receive a full refund of the premium. If cover has started, we will refund the premium for the exact number of days left on the policy. No refund will be given if a claim has been submitted or there have been any incidents likely to give rise to a claim during the current period of insurance.
Our aim is to always provide a high standard of service to you. However, we recognise that things can go wrong occasionally and if this occurs, we are committed to ensuring matters are resolved promptly and fairly. If you wish to complain please contact Finch in any of the following ways using the contact details below:
- in writing (please mark your correspondence as ‘Complaint’);
- by e-mail (please mark your correspondence as ‘Complaint’);
- by telephone; or
- in person.
You can call Finch on 0118 334 8868 or email makingmusic@finchinsurance.co.uk
In all cases, please quote your insurance policy number or any other reference we have given you.
Finch will promptly acknowledge complaints on our behalf. Their complaints procedure is available on request and will be provided to you when they acknowledge receipt of any complaint that you make to us.
The Financial Ombudsman Service
If you feel that we have not been able to resolve any matter to your satisfaction after our complaints process or if you are unhappy with our decision, or one provided by Lloyd’s (where applicable) or if we did not complete our investigation and issue our final response letter within eight weeks, you may be entitled to refer your complaint to the Financial Ombudsman Service (“FOS”) by post, phone or email.
Post:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Phone:
0800 0234 567 or 0300 123 9 123
Should you be unfortunate enough to have to make a claim, Covéa Insurance Commercial Claims will manage all aspects of the claim for you from the time it is reported.
Covéa Insurance Commercial Claims is a service operated 24 hours a day, 365 days a year.
Covéa have asked that their email address is used in the first instance when making a claim as they do require the group's current insurance schedule as part of this process. When initially contacting Covéa do ensure that the groups insurance schedule is attached, this can be found on the Making Music website under the My Dashboard section of your account.
You can notify Covea of a claim by calling: 0330 024 2266 or by email: newcommercialclaims@coveainsurance.co.uk, or by post:
Covéa Insurance Commercial Claims, A&B Mills, Dean Clough, Halifax, HX3 5AX
You must provide any information or help that Covea may reasonably ask for. You must not settle, reject, negotiate or agree to pay any claim. Full details of how to make a claim can be found in your policy document.
About the insurer
This Insurance is provided by Covea Insurance plc. Covea Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration Number 202277. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales Number 613259.
You can check the regulatory status on the Financial Services Register by visiting the Financial Conduct Authority’s website: www.fca.org.uk/register.
Finch has been appointed as the preferred insurance broker to arrange cover for members of The National Federation of Music Societies.
Finch is a trading style of Advisory Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority (reference number 313250). Registered office: 2 Mincing Lane, London, EC3R 7PDE. Registered in England and Wales No: 04043759.
The Financial Conduct Authority regulates financial services firms and financial markets in the UK. To find out further information please visit their website at www.fca.org.uk.
In relation to the sale of this policy we have only used a single insurer and in doing so we are not providing you with a personal recommendation based on a fair and personal analysis of the market. Before the insurance contract is concluded we will provide you with sufficient information, including a statement of demands and needs, to enable you to make an informed decision about the policy.
The National Federation of Music Societies or Finch will not offer any advice and you will need to make your own decision regarding the suitability of any policy of insurance purchased.
You should review the policy documents carefully to ensure they accurately reflect the cover, conditions, limits and other terms that you require. Particular attention should be paid to policy conditions and warranties as failure to comply with these could invalidate your policy. Claims can arise, under certain types of insurance contract, long after the expiry of the policy. It is therefore important that you retain and keep safely all documents associated with your policy.
The regulator for the insurance products is the Financial Conduct Authority. You can check this on the FCA’s Register website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.
The National Federation of Music Societies is an appointed representative of Advisory Insurance Brokers Limited, which is authorised by the Financial Conduct Authority (Financial Conduct Authority number 313250). The National Federation of Music Societies is a registered company in England and Wales, under company number 308632, and its registered office is at 4 London Wall Place, London EC2Y 5AU.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the FSCS website or by calling 0800 678 1100.
Making Music is a trading name for The National Federation of Music Societies.
The National Federation of Music Societies is an appointed representative of Advisory Insurance Brokers Limited, which is authorised by the Financial Conduct Authority (Financial Conduct Authority number 313250). The National Federation of Music Societies is a registered company in England and Wales, under company number 308632, and its registered office is at 4 London Wall Place, London EC2Y 5AU.
Finch is a trading style of Advisory Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority (reference number 313250). Registered office: 2 Mincing Lane, London, EC3R 7PDE. Registered in England and Wales No: 04043759.
