Musical Instrument Insurance Plus

Making Music offers fantastic musical instrument insurance, created especially for amateur musicians where you need it most.

Many amateur musicians think their instruments are covered by their household contents insurance, but unfortunately loss or damage to property away from the home, or to more expensive/'high-risk' instruments often aren't included in home policies as standard.

Musical Instrument Insurance Plus makes it easier and cheaper to get the right cover where you need it most: when you’re at home, travelling, rehearsing or performing.

"It's very reassuring to know that my instruments are covered by a specialist instrument insurance scheme. It was so simple and straightforward to set up, and good value. I just had to choose my level of cover and that was it." - Jane, County Durham 

Why insure with us?

  • All musical property covered (instruments, accessories, sheet music, electronic equipment)
  • No lengthy quote process – pick your level of cover and go!
  • All musical property in the household under one policy (no need to specify items)
  • Cover for losses or damage anywhere in the UK or Europe (not just at home!)
  • Hire costs covered for a temporary replacement instrument
  • Cover in locked vehicles
  • No excess (except for computer equipment)
  • Price includes Individual Membership of Making Music

How much does it cost?

Package

Price (per year)

Level of cover

Bronze

£46*

£2,500 cover (single item limit £1,000)

Silver

£62*

£5,000 cover (single item limit £3,000)

Gold

£100*

£10,000 cover (single item limit £6,000)

Platinum

£117*

£15,000 cover (single item limit £7,500)

Add Public Liability cover (up to £5M) to any policy above for £26.50

FAQs

About the different packages – general

What is the Making Music definition of an amateur musician for the Making Music insurance scheme?

An individual who does not make their living from being a musician.  It is acceptable if they make some money from musical activities but it should not be the main or a significant source of income.

Instruments and musical equipment are not covered when used as part of professional music activities and public liability insurance does not cover professional music activities.

Can I take out individual insurance if I don’t live in the UK?

No – the cover is Europe wide but you must be a UK resident to take out a policy. 

What do I need to do if I move house?

You must let us know – just contact Making Music to give us your new address.

Can I just have public liability without any instrument cover?

No – the public liability cover is an additional extra – you must have one of the standard policies to access the public liability cover.

About your instruments exceeding the policy limits

The value of my instruments is greater than the Platinum package of £15,000. Can you still provide me with cover?

Yes but you’ll need to contact Making Music Insurance Services direct for a custom quote.

My clarinet is worth more than the single article limit of £7,500 - last time I valued it, it was worth £9,000. Can you still provide me with cover?

Complete the join online form to submit details of your requirement(s) to the insurers for a custom quote.

How do I obtain a custom quote?

Complete the join online form to submit details of your requirement(s) to the insurers for a custom quote.

About the policy – musical property

Does the insurance provide cover for music tech equipment i.e. amps, laptops, audio?

Any electronic equipment which is used for making music is included under the policy. Please ensure the total sum insured should represent the full cost of replacement and that the single article limit is adequate.

Does it cover instruments not actually owned by us, e.g. my son's violin is owned by his school?

Yes. Instruments are covered either under the ‘long term’ or ‘short term’ loan definition and applies anywhere in the UK or Europe.

My son sometimes has to leave his French horn at school. Does the insurance provide cover for this?

Yes. Cover is provided anywhere in the UK and Europe, subject to the general condition that all reasonable precautions are taken to prevent or diminish a loss.

My daughter has gone to university and taken her instruments with her – are they still covered under the policy?

If your daughter is still registered at your home address (the address for the policy) her instruments will be covered when she takes them to university. 

Does the insurance cover me lending my instrument to another individual as part of a musical activity I am involved in?

Our policy covers you and the members of your household’s use of the instruments. It does not cover any other individual playing your instruments – for example if you take your own timpani to a rehearsal and another percussionist plays them they are not covered.

Does the insurance cover my instrument if I lend it to another individual?

Our policy covers you and the members of your household’s use of the instruments covered under your policy. It does not cover any other individual using your instruments.

Is my musical property covered in a parked vehicle?

Yes as long as it is concealed in the glove or luggage compartment or boot and all points of access are securely locked.

My musical property is too big to be stored in the glove or luggage compartment or boot of car. Is it covered on the back seat?

No – it has to be out of sight for the cover to be valid. If it is stored in sight - even if it is covered – it will not be covered by your policy. 

Do I have to keep a record of the instruments in my household?

One of the great things about our insurance is that you do not have to notify us of what instruments/musical property you have in your household. However, we do recommend that you keep records of your instruments/musical property. This could be a receipt or for older items (where you might not have a receipt) a photo and record of the make and model.  It is not a requirement of the scheme but having a record is good practice will make claims easier.  

About your policy

Where can I find my policy documents?

You can find your documents by logging into your account and visiting your Dashboard. If you have purchased custom cover, there may be a 24 hour delay before these are uploaded.

Who are my insurance contacts?

All insurance enquiries are handled by Making Music Insurance Services. You can call them on 01482 388611 or email insurance@makingmusic.org.uk

How do I make a claim?

Call our claims helpline on 01482 388611 (Monday - Friday 9 until 5) as soon as possible or 0345 300 4006 outside these hours. You must give us any information or help that we may reasonably ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to make a claim can be found in our policy document. 

What will happen when I make a claim?

Making Music Insurance Services will process your claim which may involve the insurers contacting you directly.

What if I need to cancel my policy?

If you cancel the policy you may be entitled to a refund of the premium provided that no claim has been made during the current period of insurance, in accordance with the table below.

Short Period Cancellation Scale

Length of period the policy has been in force:

One Month

Two Months

Three Months

Over Four Months

Amount of premium returned:

60%

40%

20%

0

 

How do I make a complaint?

Our aim is to provide a first class service, however, if you wish to register a complaint, please contact Making Music Insurance Services detailed as follows:

Write to:

Complaints Department, Jelf Insurance Brokers Ltd
Hillside Court
Bowling Hill
Chipping Sodbury
Bristol, BS37 6JX.

Telephone: 014 5427 2727

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

About the insurer

Who is Making Music Insurance Services (MMIS)?

Making Music Insurance Services is a trading name of Jelf Insurance Brokers Ltd (Reg No. 0837227) which is part of Jelf Group plc (Reg No. 2975376) and is authorised and regulated by the Financial Conduct Authority (FCA).

What is the Financial Conduct Authority (FCA)?

The FCA is the independent watchdog that regulates insurance. It requires us to give you this information. Use this information to decide if our services are right for you.

Who regulates this insurance?

Making Music Insurance Services is a trading name of Jelf Insurance Brokers Ltd (Reg No. 0837227) which is part of Jelf Group plc (Reg No. 2975376) and is authorised and regulated by the Financial Conduct Authority (FCA). You can check this on the FCA’s Register website or by contacting the FCA on 0800 111 6768. Our permitted business includes arranging and assisting with the placing and administration of commercial insurance policies.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

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.

What is the relationship between Making Music and Making Music Insurance Services?

Making Music is a trading name for The National Federation of Music Societies, who is an Appointed Representative of Jelf Insurance Brokers Ltd trading as Making Music Insurance Services (MMIS), which is authorised and regulated by the Financial Conduct Authority (FCA)

 

*Terms and conditions

The price includes a Making Music membership fee of £15, which is required to access our musical instrument insurance. For more terms and conditions about the policy, please read the Musical Instrument Insurance Plus terms and conditions.

Making Music Insurance Services is a trading name of Jelf Insurance Brokers Ltd (Reg No. 0837227) which is part of Jelf Group plc (Reg No. 2975376) and is authorised and regulated by the Financial Conduct Authority (FCA).  Registered address: Hillside Court, Bowling Hill, Chipping Sodbury, Bristol BS37 6JX (Registered in England and Wales).  Not all products and services offered are regulated by the FCA.