Insure4Music

Insure4Music: specialist insurance for musicians and DJs in the UK

Insure4Music is an insurance broker that has been arranging policies for musicians, music teachers and DJs across the UK for more than fifteen years. Its offering is built around taking out a single policy that can group together instruments and musical equipment, with cover options such as public liability, professional indemnity and equipment cover. The company has a UK-based customer service team and maintains a partnership with AMP UK. According to its presentation, the firm is backed by an ‘Excellent’ Trustpilot rating.

Available cover

Insure4Music policies can include different types of protection. Public liability for musicians is designed to cover the financial consequences of injury to third parties or damage to their property during performances, rehearsals or lessons. The company cites as an example the case of a piece of equipment falling and injuring a member of the audience, which could lead to a claim and legal costs. In addition, some music venues require this type of insurance as a minimum before they will allow you to use their performance space.

Alongside public liability, the offering includes professional indemnity and equipment cover. The latter protects against situations such as the theft of instruments or equipment from a locked car or from a music venue, accidental damage during a performance that prevents you from playing at your next gig, or the loss of a piece of equipment while the band is travelling abroad. It is also designed for those who own multiple instruments or pieces of equipment that would be expensive to replace all at once. The total sum insured for musical instruments and equipment is £50,000.

Instruments and equipment covered

Insure4Music's specialist policies can include a wide variety of equipment and instruments. The company details, among others:

• DJ and studio equipment
• Guitars
• Violins
• Drums
• Pianos and keyboards
• Classical, string and percussion instruments commonly found in orchestras
• Woodwind, reed and brass instruments
• PA systems and microphones
• Stage and lighting equipment

The firm states that, if a piece of equipment does not appear in the list, it is possible to consult the complete list of instruments for which it arranges cover. It also offers specific information about musical instrument insurance on a dedicated page.

Who the insured are

Insure4Music's specialist insurance is aimed at anyone who practices or teaches music. The company lists the following groups:

• Musicians
• DJs
• Bands
• Orchestras
• Music groups and choirs
• Singers
• Music teachers

In addition, for those who do not practice music, the company can also provide cover for vinyl record collections.

Referral programme and policy management

Insure4Music has a referral programme: if a customer recommends friends, both receive a reward, which in the case of the referrer consists of a voucher of their choice and, for the friend, an exclusive discount. The company also offers an online members area, accessible 24 hours a day, 7 days a week, from which policies can be viewed and managed, insurance documents downloaded, personal and payment details updated, claims tracked and renewals managed. For additional queries, the firm provides a contact form handled by its UK-based customer contact centre, with a response within one working day.