- Music

We are pleased to announce the launch of our Musical Instruments policy. This policy is available to all types of musicians who wish to insure their valued instruments and other associated equipment on an ‘All Risks' basis. KEY FEATURES AND BENEFITS Available to amateur, Semi-professional and Professional musicians Option to cover throughout UK/Europe or Worldwide Option to restrict cover to the home only Option to include cover for theft from unattended motor vehicles at an additional premium and subject to certain requirements No claims discount for up to 3 years claim free Standard excess £30. The minimum premium is £30 + IPT. A specimen policy is available upon request.

The policy covers loss of or damage to the property insured from any accidental cause but excluding:

• the first £30 of each and every claim
• theft by any person or persons to whom the property insured is entrusted
• theft or attempt theft from halls of residence or shared rented
• accommodation unless there is a forcible and violent entry or exit
• wear and tear or depreciation or diminution in value
• faulty workmanship, defective design or use of defective materials
• mechanical or electrical defect, failure, breakdown, or derangement
• atmospheric or climatic conditions or any other gradually operating cause, corrosion, scratching, bruising, denting, pets, fungus, insects, moths, pests, rot, rust, vermin or woodworm
• any process of altering, cleaning, dyeing, fitting, maintaining, renovating, repairing, restoring, staining, treating or tuning the property insured
• breakage of strings, reeds or drumheads or damage to the lacquer on instruments unless resulting from theft of the instrument
• electrical or magnetic injury, disturbance or erasure of electronic recording
• confiscation or detention by Customs or other officials or authorities.

Important Notes Provided the sum insured is adequate the Insurer will pay for the repair or replacement of any item as new. They will make a deduction for wear, tear and betterment if the sum insured is inadequate or if an item is not repaired or replaced. The maximum amount they will pay in respect of any one item is the respective sum insured specified in the schedule less the amount of any excess. We recommend that you regularly review the value of items insured and seek professional advice if necessary. This policy is designed to enable individuals to insure their own musical instruments - proposals on behalf of other persons or any group quoted on request. HOW TO APPLY Simply call our freephone number on 0800 092 4383 and we'll arrange the best quotes for you. You can pay your premium by cash, cheque, card or monthly by direct debit. By using Manor Insurance as your broker you will receive Impartial – Friendly – Professional Advice