We have worked with an insurance broker called Marsh Commercial (Marsh) and the insurance underwriter, Royal Sun Alliance (RSA), for some time to offer instrument insurance.
These partnerships with Marsh commercial and RSA have now ended.
What does this mean if you have an existing policy?
If you have an existing policy, nothing changes. It remains in place and unchanged until the expiry date and your policy documents will remain available via the Making Music website.
From the 26 September if you have any questions about your policy, you should contact Marsh directly on:
- Phone: 03308187645
- Email: makingmusic@marshcommercial.co.uk
What does this mean for your next renewal date?
Because RSA have decided to withdraw from the scheme, you will not be able to renew your policy when it expires. We are working with a new broker we have appointed to find new a new underwriter, and will keep you updated with any news about this as soon as we can. If you have any questions, please feel free to contact us.
FAQs
About the different packages – general
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.
No – the cover is Europe wide but you must be a UK resident to take out a policy.
You must let us know – just contact Making Music to give us your new address.
No – the public liability cover is an additional extra – you must have one of the standard policies to access the public liability cover.
Cover is provided for you, your partner any of your relatives that permanently live with you, and any of your domestic employees
About your instruments exceeding the policy limits
Yes but you’ll need to contact Making Music Insurance Services direct for a custom quote.
Complete the join online form to submit details of your requirement(s) to the insurers for a custom quote.
You can submit details of your custom requirement(s) to the insurers using our online form.
About the policy – musical property
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.
Yes. Instruments are covered either under the ‘long term’ or ‘short term’ loan definition and applies anywhere in the UK or Europe.
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.
The Policy covers Insured Property owned by you, your partner, any of your relatives that permanently live with you, and any of your domestic employees. Students at university who are only temporarily living elsewhere due to education and would normally live with you are covered by the policy.
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.
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.
Yes as long as it is concealed in the glove or luggage compartment or boot and all points of access are securely locked.
If it can stored in the glove or luggage compartment or boot of the car then it should be. If it is too big it will still be covered as long as it is concealed out of sight and the vehicle is locked and secured.
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.
Yes, assuming the full value is within the policy limits.
If repair is possible, we will pay for the cost of repair.
If repair is not possible then we replace on a new for old basis. This means the cover will provide for the cost of buying a new version of the musical property (up to your policy limits). If the model of the item being replaced is no longer in production, we will replace with an equivalent model or specification.
Note: there is an excess of £100 of for computer equipment, this means you have to pay the first £100 of each claim relating to computer equipment.
The sum insured will be the most we will pay. If the sum insured is not adequate, any claim will be reduced in proportion to the degree of under-insurance. For example, if your property limit is £10,000 (Gold package) and your insured property increases past this limit, you should let us know and upgrade to ‘Platinum’ cover. If you don’t, you will still be insured up to £10,000, but not for any amount above that.
The excess you will pay is as stated on your Schedule of Insurance
About your policy
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.
All insurance enquiries are handled by Making Music Insurance Services. You can call them on 0330 8187645 or email makingmusic@marshcommercial.co.uk
Call our claims helpline on 0330 8187645 (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.
Making Music Insurance Services will process your claim which may involve the insurers contacting you directly.
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 |
||||
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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 |
We are committed to providing our customers with a high standard of service, but things can go wrong in any business. If for any reason we have not met your expectations, please let us know by calling us on 020 7939 6030 or write to The National Federation of Music Societies, 8 Holyrood Street, London, SE1 2EL.
If we are unable to agree a final resolution with you within 3 working days, or if the complaint is in respect of a claim for redress/compensation, your complaint will be re-directed to MMIS who will immediately activate their own complaints process and in the first instance send you an acknowledgement/first response letter.
Should you remain dissatisfied with the way we resolved a complaint, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS). Full details of their service can be found at www.fos.org.uk or you can call them on 0800 023 4567
About the insurer
Making Music Insurance Services is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Copyright © 2021 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved.
You can check this on the FCA’s Register website or by contacting the FCA on 0800 111 6768.
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.
The National Federation of Music Societies is an Appointed Representative of Marsh Ltd and Making Music Insurance Services is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Copyright © 2021 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved.
You can check this on the FCA’s Register website or by contacting the FCA on 0800 111 6768.
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, who is an Appointed Representative of Marsh Ltd trading as Making Music Insurance Services (MMIS), which is authorised and regulated by the Financial Conduct Authority (FCA)
Terms and conditions
For full terms and conditions about the policy, please read the Musical Instrument Insurance Plus terms and conditions.
The National Federation of Music Societies is an Appointed Representative of Marsh Ltd and Making Music Insurance Services is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking (Firm Reference No. 307511). Copyright © 2021 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved.
