Changes to insurance packages for 2025
- The single item limit for the ‘All Risks’ property cover was £5K. Making Music and the insurance brokers Finch have successfully negotiated with Covea to increase this limit to £10K for 2025 onwards. Please note that this only applies to the Silver and Gold packages which include ‘All Risks’ property cover.
- At the beginning of 2024, the age limit in the cover for Money and Assault section was increased from an upper age limit of 70 to an upper age limit of 80. This change is now reflected in the policy documents for 2025. This age limit applies to the Money and Assault section of the packages only.
Insurance Notice
You need to know which level of insurance cover you require and you must check this policy continues to meet your requirements. You must:
- View your current level via your Dashboard and check this policy continues to meet your requirements by reviewing the full policy documentation and your demands and needs statement before you decide to purchase.
- View details of the different insurance packages available and choose the cover which best suits your needs
View the, Terms of Business Document , Policy Summary and Full policy wording. 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.
Please note: if your total income (not profit/surplus) for your last set of completed accounts is over £100,000 you must have custom cover.
Custom insurance: if you have custom insurance cover for 2024, Finch will contact you soon regarding your cover for 2025 and you need this quote before renewing your membership and insurance for 2025. When you renew online or via post you will have to supply the custom quote amount.
If you have not previously had a custom insurance policy but require one for 2025, contact Finch directly before you renew to get a quote on 0118 334 8868 (Monday-Friday 9am-5pm).
Employer Reference Number (ERN) (if applicable): if you have insurance with us and your group has employees who earn more than £192 a week or £833 per month you need to supply your ERN when you renew. It does not include freelancers, such as most music directors and accompanists. You can find out more about ERNs here.
