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                                                                      Musicguard
Pavilion                                                                       FLEXIcover




   .
Musicguard
Pavilion Insurance Management Limited
Pavilion House
Mercia Business Village
Westwood Business Park
Coventry
CV4 8HX

Tel: 02476 851000
Email: info@musicguard.co.uk




                                        PIML/MGF/06/05/05    information about your insurance
                                                            information about your insurance
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Policy Wording                                                                                                                      Section 1
                                                                                                                                    DEFINITIONS
Musicguard Flexicover
Certificate Of Insurance                                                                                                             1.1
                                                                                                                                    1.2
                                                                                                                                           Accident - means a sudden and unexpected event which happens by chance during the Period of Insurance
                                                                                                                                           Accidental Damage - means the sudden and unforeseen accidental damage to the item of Property Insured or third
                                                                                                                                           party property not otherwise specifically excluded from this certificate of insurance
Arranged by Pavilion Insurance Management Limited                                                                                   1.3    Bodily Injury - means death or identifiable physical injury
with UK Underwriting Limited on behalf of                                                                                           1.4    Breakdown - means a mechanical, constructional, electronic or electrical fault, and/or derangement, or a defect in
NORWICH UNION INSURANCE LIMITED                                                                                                            operation, which stops the Property Insured fulfilling its intended purpose
                                                                                                                                    1.5    Collection - means more than 5 items of the same type which are made up of either CD’s, vinyl records, tapes, mini
Introduction                                                                                                                               disks, DVD’s or karaoke tapes
Musicguard is underwritten by Norwich Union Insurance Limited. This certificate of insurance gives You a full explanation of         1.6    Commencement Date - means the date Your cover shall start as shown in Your Schedule as the
Your cover. Please read this carefully to avoid any misunderstanding and check all the details are correct and that You have               “Commencement Date”
the protection You need and know what to do should You need to claim.                                                               1.7    Endorsement - means any terms and conditions additional to this certificate of insurance and specified in
Please notify Us of any material change in Your circumstances. Failure to do so may invalidate Your cover. We have tried to                the Schedule
make this document easy to understand, but if You have any questions please call Us on 02476 851000, or write to Us at the          1.8    Evidence Of Ownership - means original purchase receipt, showing the date, price paid, details of the Property
address shown in Section 9.                                                                                                                Insured and name and address of seller, or other evidence which clearly demonstrates ownership
                                                                                                                                    1.9    Excess – means any compulsory amount shown in Your Schedule by Endorsement, or £50 where an additional
Governing Law                                                                                                                              premium has been paid for Breakdown cover section 2.9, or £500 third party property damage under section 2.7 for
This certificate of insurance shall be governed by and construed in accordance with the law of England and Wales unless the                 personal liability, such amounts shall be payable by You
certificate holder’s habitual residence (in the case of an individual) or central administration and/or place of establishment, is   1.10   Forcible and Violent Entry - means entry evidenced by visible damage to the fabric of the building, room, or vehicle
located in Scotland, in which case the law of Scotland shall apply. In the event of the place of establishment being situated in           at the point of entry
the Channel Islands the relevant law governing the Channel Islands shall apply.                                                     1.11   Insured Location - means the brick or stone building of standard construction with a slate, tiled or multi layered roof
                                                                                                                                           where the Property Insured is usually kept, as stated in the Schedule unless otherwise specified in an Endorsement
How to Read Your Musicguard certificate of insurance                                                                                 1.12   Locked Luggage Compartment - means
You need to be aware that all insurance certificates are subject to certain exclusions and conditions. It is therefore essential            (a) a locked car boot
that You are aware of what is covered and what is not, and any security requirements and conditions You need to comply with.               (b) a locked rear storage area of a hatch-back, four-wheel drive or estate car, subject to a factory fitted cover being in
For simplicity, We use keywords or phrases which are shown in Definitions and these are listed in alphabetical order. They                      place, and where not available, kept out of sight
have the same meaning whenever they appear and will always be shown with an initial capital letter so as to remind You of                  (c) a locked rigid bodied van or mini bus providing the windows have been obscured and providing the item of
their importance.                                                                                                                              Property Insured is in a compartment of the vehicle not accessible from the driver’s area
                                                                                                                                           (d) a rigid body fully enclosed trailer attached to a vehicle by a shackle bolt
To help You understand the cover provided We have laid out section 2 under the following headings:                                  1.13   Loss - means any loss not otherwise specifically excluded in this certificate of insurance
                                                                                                                                    1.14   Loss Of Limb - means the physical separation of a hand at or above the wrist, or of a foot at or above the ankle and
What is Covered - This text gives information about the cover provided                                                                     shall include the total and irrecoverable loss of use of one or both hands, or feet respectively
What is Not Covered - This text draws Your attention to what is not covered                                                         1.15   Loss Of Sight - means the total and irrecoverable loss of sight in an eye
                                                                                                                                    1.16   Material Fact(s) - means any fact, information or change in circumstances which would have a bearing on Our
In addition You should also read the Security Requirements, General Exclusions and Conditions which appear in sections 3, 4 & 5.           acceptance of Your cover or which may increase the possibility of Loss, Theft or Accidental Damage covered by Your
                                                                                                                                           certificate of insurance
Signed on Behalf of the Underwriters                                                                                                1.17   Period Of Insurance - means the period specified in Your Schedule
                                                                                                                                    1.18   Permanent Total Disablement - means a disability lasting at least 12 calendar months which entirely prevents You
                                                                                                                                           from attending to any business or occupation of any kind and at the end of that period being beyond the hope
                                                                                                                                           of improvement
                                                                                                                                    1.19   Policy Associate - means fellow musicians, music teachers, sound and lighting engineers, entertainers, and disc or
                                                                                                                                           visual jockeys who are named in the Schedule other than You, and who have paid an additional premium to extend
                                                                                                                                           the benefits of cover under 2.6 and 2.7 only
                                                                                                                                    1.20   Premium - means the amount referred to as such in the Schedule
                                                                                                                                    1.21   Property Insured - means the items listed in the Schedule
                                                                                                                                    1.22   Removable Items - means any Property Insured removed from the Insured Location, subject to the Removable Items
                                                                                                                                           limit shown in Your Schedule
                                                                                                                                    1.23   Rigid Bodied Case - means a case manufactured to full flight or semi flight specification and in the case of musical
                                                                                                                                           instruments, a purpose designed case where the interior has been formed to fit the musical instrument
Paul Smith                                                                                                                                 contained therein


      information about your insurance
Managing Director
UK Underwriting Limited
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1.24
1.25
     Schedule - means the Schedule issued to You and any Endorsement attaching to it
     Sum Insured - means the amount set out in Your Schedule
                                                                                                                              Section 2
1.26 Territorial Limits - means as a United Kingdom resident domiciled in the United Kingdom, cover is applicable
     anywhere in the UK. Subject to the payment of the required additional premium cover is applicable
                                                                                                                              WHAT IS COVERED AND SPECIFIC EXCLUSIONS
     (a) Anywhere in the European Union, and up to 30 days Worldwide during any one Period of Insurance
     or                                                                                                                       The Security Requirements, General Exclusions and Conditions which apply to Your Musicguard certificate
     (b) Worldwide at any time during the Period of Insurance as shown in Your Schedule                                       of insurance are shown in sections 3, 4 & 5.
1.27 Terrorism - means an act - whether involving violence or the use of force or not - or the threat or the preparation
     thereof, of any person or group(s) of persons - whether acting alone or on behalf of or in connection with any           2.1 Theft of the Property Insured from the Insured Location
     organisation(s) or government(s) which is designed to, or does intimidate or influence a de jure or de facto
     government or the public or a section of the public, or disrupt any segment of the economy and from its nature or        What is Covered
     context is done in connection with political, social, religious, ideological or similar causes or objectives             Within the Territorial Limits.
1.28 Theft - means the unauthorised dishonest appropriation of the Property Insured by another person with the intention      We will at Our option, replace, or pay the cost of replacing the item of Property Insured, with a similar article of like kind,
     of permanently depriving You of it                                                                                       functionality and quality.
1.29 Unattended - means whilst the Property Insured is not being used or held by You or a responsible adult and You
     are not in a position to prevent interference to the item of Property Insured other than when in the Insured Location,   What is Not Covered
     locked room or locked cupboard or Locked Luggage Compartment                                                             1. Any claim under £100
1.30 United Kingdom - means England, Scotland, Wales, the Channel Islands, Isle of Man and Northern Ireland                   2. Any Excess and/or Voluntary Excess as shown in Your Schedule
1.31 Unoccupied Insured Location - means an Insured Location which is a furnished dwelling, but has not been lived in         3. Unless by Forcible and Violent Entry and You have complied with Security Requirement 3.2
     for more than 30 consecutive days                                                                                        4. Theft from an Unoccupied Insured Location
1.32 Value - means                                                                                                            5. Theft by a person or persons to whom the Property Insured is entrusted
     a) the usual new undiscounted replacement cost (including VAT) from a reputable dealer as at the Commencement            6. When loaned or hired out by You to any other person, unless You are in attendance
        Date of the Period of Insurance, or                                                                                   7. Theft from any building at the Insured Location which is not of brick or stone built construction with a tiled or multi
     b) for collectable, rare or vintage instruments/items having a value greater than usual replacement cost new, a sum         layer roof and securely locked, unless specified in an Endorsement
        as evidenced by a valuation by a competent reputable source undertaken not more than 12 months before the             8. The matching of any parts of a set or Collection, not the subject of Theft
        Commencement Date of the initial Period of Insurance of the item and thereafter every three years                     9. Unexplained Theft
1.33 Voluntary Excess - means any amount shown in Your Schedule which shall be payable by You towards a claim,
     but not applicable to sections 2.6 - Personal Accident, 2.7 - Personal Liability, 2.8 - Hire of Equipment and
     2.9 - Breakdown
                                                                                                                              2.2 Theft of the Removable Items when not from a Locked Luggage Compartment
1.34 We/Us/Our - means Pavilion Insurance Management Ltd and / or UK Underwriting Ltd and / or Norwich Union
                                                                                                                              What is Covered
     Insurance Limited
                                                                                                                              Within the Territorial Limits.
1.35 You/Your - means the insured person or any Policy Associate named in the Schedule who are resident in the
                                                                                                                              We will at Our option, replace, or pay the cost of replacing the item of Property Insured, with a similar article of like kind,
     United Kingdom
                                                                                                                              functionality and quality.

                                                                                                                              What is Not Covered
                                                                                                                              1. Any claim under £100
                                                                                                                              2. Any Excess and/or Voluntary Excess as shown in Your Schedule
                                                                                                                              3. When the Property Insured is in a locked room or locked cupboard away from the Insured Location unless access is by
                                                                                                                                 Forcible and Violent Entry and You have complied with Security Requirements 3.1b or 3.1c as applicable
                                                                                                                              4. When the Property Insured is Unattended
                                                                                                                              5. Theft by a person or persons to whom the Property Insured is entrusted
                                                                                                                              6. When loaned or hired out by You to any other person, unless You are in attendance
                                                                                                                              7. The matching of any parts of a set or Collection, not the subject of Theft
                                                                                                                              8. Unexplained Theft

                                                                                                                              2.3 Theft of the Removable Items when from a Locked Luggage Compartment
                                                                                                                              What is Covered
                                                                                                                              Within the Territorial Limits.
                                                                                                                              We will at Our option, replace, or pay the cost of replacing the item of Property Insured, with a similar article of like kind,
                                                                                                                              functionality, and quality.

                                                                                                                              This section only applies if the required additional premium has been paid and the cover is shown on Your Schedule
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What is Not Covered                                                                                                                  2.6 Personal Accident
1. Any claim under £100
2. Any Excess and/or Voluntary Excess as shown in Your Schedule                                                                      What is Covered
3. Theft by a person or persons to whom the Removable Items is entrusted                                                             Within the Territorial Limits.
4. When You have not complied with Security Requirement 3.3                                                                          We will pay the amount shown below if at any time whilst You or any Policy Associate named in the Schedule are using an item
5. When access has not been made by Forcible and Violent Entry                                                                       of musical, entertainment, sound or lighting equipment, You are involved in an Accident, which shall solely and independently
6. Theft of a rigid bodied trailer containing the Removable Items unless the vehicle is stolen at the same time and subject          of any other cause, cause Bodily Injury which results in either Your death, Loss Of Limb, Loss Of Sight or Permanent
   to security requirement 3.3 (h)                                                                                                   Total Disablement.
7. When an additional premium has not been paid                                                                                      The amounts We will pay under this section are:
8. The matching of any parts of a set or Collection, not the subject of Theft                                                        • Loss Of Limb                   £5,000
9. Unexplained Theft                                                                                                                 • Loss Of Sight                  £5,000
                                                                                                                                     • Permanent Total Disablement £10,000
2.4 Accidental Damage to the Property Insured and Removable Items                                                                    • Death                          £10,000
                                                                                                                                     Benefit under this section shall be payable to You or Your nominees, and shall be limited to a maximum of £10,000 per person.
What is Covered                                                                                                                      This cover is provided for You and any Policy Associate named in the Schedule
Within the Territorial Limits.
We will at Our option, repair to its prior level of functionality or replace, any part, or, if beyond economic repair, replace the   What is Not Covered
Property Insured with a similar article of like kind, functionality and quality.                                                     1. When You are under 16 or over 85
                                                                                                                                     2. Permanent Total Disablement benefit when over 65
What is Not Covered                                                                                                                  3. Suicide, attempted suicide or intentional self-injury or deliberate exposure to exceptional danger (except in an attempt to
1. Any claim under £100                                                                                                                 save human life), or insanity or Your own criminal act
2. Any Excess and/or Voluntary Excess as shown in Your Schedule                                                                      4. When directly or indirectly resulting from stress, trauma or psychiatric illness
3. When Accidental Damage is sustained in transit to Removable Items, when handed to a recognised transport provider,                5. Any benefit when Your death, injury or loss does not occur within 180 days of the Accident
    unless securely packaged in a purpose designed Rigid Bodied Case                                                                 6. Any benefit when You cannot prove to Us that the Permanent Total Disablement has continued for 12 months from the
4. Instruments and fragile electronic items being part of Removable Items in any vehicle accompanied by You or Your                     date of the Accident and in all probability will continue for the remainder of Your life
    representative, unless in a Rigid Bodied Case                                                                                    7. More than one benefit under this section
5. When loaned or hired out by You to any other person, unless You are in attendance                                                 8. Any Accident not involving the use of an item of musical, entertainment, sound or lighting equipment
6. When the Removable Items are Unattended
7. Accidental Damage to leads and cables                                                                                             2.7 Personal Liability
8. Wear and tear, gradually operating causes, wet or dry rot, atmospheric or climatic conditions, frost, insect
    and vermin                                                                                                                       What is Covered
9. Marring, scratching, denting other than to musical instruments                                                                    Within the Territorial Limits.
10. Corrosion, rust, change in temperature, dampness, dryness, shrinkage, evaporation, contamination, change in colour or            We will, in respect of the amount shown in the Schedule which You and any Policy Associate named in the Schedule become
    finish, dust, chemical action or reaction                                                                                         legally liable for, pay for accidental Bodily Injury, death, disease, or Accidental Damage to any person or Accidental Damage
11. Mechanical, electronic or electrical breakdown and/or derangement unless fire ensues immediately                                  to third party property which arises from Your use of or ownership of musical, entertainment, sound or lighting equipment,
12. Defects in operation                                                                                                             providing You are resident in the United Kingdom. The total amount payable includes reasonable defence costs and expenses
13. Failure to use or maintain the Property Insured in accordance with the manufacturers instructions                                incurred by You with Our written consent in connection with any Liability insured under this Certificate.
14. Faulty or defective design, materials or workmanship or latent defect
15. The matching of any undamaged parts of set or Collection                                                                         What is Not Covered
                                                                                                                                     1. When You are under 16 or over 85
2.5 Loss                                                                                                                             2. An excess of £500 for each and every claim arising from damage to third party property
                                                                                                                                     3. Liability arising from loss or damage to property which belongs to You or is in Your care, custody or control
What is Covered                                                                                                                      4. Where You are entitled to indemnity from another source
Within the Territorial Limits.                                                                                                       5. When punitive, exemplary or aggravated damages are awarded against You
We will at Our option replace, or pay the cost of replacing the item of Property Insured with a similar article of like kind,        6. Indemnity under this Section in respect of injury, loss, damage, cost or expense of whatsoever nature directly or
functionality and quality.                                                                                                              indirectly caused by, or resulting from or in connection with any act of Terrorism
                                                                                                                                     7. Any liability for bodily injury, loss or damage
What is Not Covered                                                                                                                     a) To Your employees or members of Your family or household or to their property
1. Any claim under £100                                                                                                                 b) Arising out of or in connection with Your trade, profession or business, or assumed under contract other than that of
2. Any Excess and/or Voluntary Excess as shown in Your Schedule                                                                            musician, music teacher, sound and lighting engineer, entertainer, disc or visual jockey
3. Unexplained loss                                                                                                                     c) Arising out of the ownership, possession, use or occupation of land or buildings
4. When loaned or hired out by You to any other person, unless You are in attendance                                                    d) Arising out of the ownership, possession or use of motorised vehicles, yachts or motorised waterborne craft, airborne
5. When the Removable Items are Unattended                                                                                                 craft of any description, animals or firearms and weapons
6. The matching of any parts of a set, or Collection not forming part of the loss                                                    8. Any liability not involving the use of an item of musical, entertainment, sound or lighting equipment
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2.8 Hire of equipment                                                                                                             Section 3
What is Covered
Within the Territorial Limits.
                                                                                                                                  SECURITY REQUIREMENTS
We will pay for the hire of alternative equipment whilst awaiting repair or replacement of Property Insured when the subject of
an approved claim
                                                                                                                                  3.1 Security Requirements for Removable Items
                                                                                                                                  Security Requirements - Locations Risk
What is Not Covered
                                                                                                                                  Accidental Damage, Theft or Loss of the Removable Items whilst away from the Insured Location shall only be covered in
1. More than 10% of the Sum Insured or £250 whichever is the lesser for each item to a maximum of £3,000 during any
                                                                                                                                  circumstances where:
   one Period Of Insurance
2. When the claim has not been approved
                                                                                                                                  Risk and Requirements
3. Where Our prior authority has not been obtained
                                                                                                                                  (a) The Removable Items are not left Unattended; or
4. Where the hire costs are greater than a normal charge through a recognised supplier of temporary
                                                                                                                                  (b) The Removable Items are inside a locked room or locked cupboard, and any security devices have been
   replacement equipment
                                                                                                                                      made operational
                                                                                                                                  (c) The Removable Items are kept temporarily for a period of not more than 72 hours at any one time in a place of
2.9 Breakdown of the Property Insured                                                                                                 entertainment, and have been handed to a proprietor or manager for safekeeping, and kept in a secure locked room,
                                                                                                                                      with security devices having been made operational
What is Covered
Within the Territorial Limits covering any electronic item up to seven years old from date of manufacture, and all guitars and
basses (including electric) and all musical instruments specified on Your Schedule.                                                3.2 Security Requirements at the Insured Location

We will at our option repair to the previous level of functionality or replace if beyond economic repair, where the Property      Security Requirements - Locations Risk
Insured has failed due to a mechanical, constructional, electronic or electrical breakdown, and/or derangement, or a defect in    Accidental Damage, Theft or Loss whilst the item of Property Insured is at the Insured Location shall only be covered in
operation, and pay the cost of transport to and from our appointed repair specialists.                                            circumstances where:

This section only applies if the required additional premium has been paid and the cover is shown on                              Risk and Requirements
Your Schedule                                                                                                                     For Property Insured with an aggregate Value of over £15,000

What is Not Covered                                                                                                               (a) The security at the Insured Location shall be a minimum of a 5 lever mortise deadlock conforming to BS3621, 5 lever
1. An Excess of £50 for each and every item                                                                                           padlock or 5 lever locking device on all external doors and
2. Where the Property Insured is still the subject of a manufacturers warranty                                                    (b) Key operated window locks to all accessible windows at the Insured Location, or
3. Failure to use or maintain the Property Insured in accordance with the manufacturers instructions                              (c) Such locks be fitted to the doors and windows of room(s) in which the Property Insured is kept, and
4. The use of faulty computer software (outboard only), accessories, computer tapes, floppy disks and computer viruses,            (d) All security devices must be in operation when there is no adult in the Insured Location
    and non proprietary expansion cards
                                                                                                                                  For Property Insured with an aggregate Value of over £30,000
5. Faulty or defective design, materials or workmanship, or latent defect
                                                                                                                                  In addition to 3.2 (a) to (d) above:
6. When an additional premium has not been paid
7. Damage to non-working parts such as cabinet trim and fittings and change in colour of finish                                     (e) A minimum of a Nacoss approved alarm
8. Damage caused by foreign objects or substances not normally associated with the product
9. Repairs carried out by persons not authorised by Us or without Our prior approval                                              For Property Insured with an aggregate Value of over £50,000
10. Any routine maintenance, cleaning, blockage removal, tuning, realignment, modification or installation                         In addition to 3.2(a) to (e) above:
11. Charges where a fault covered by warranty cannot be found with the product                                                    (f) The alarm referred to in 3.2(e) must be maintained under an agreement with a Nacoss approved installer or another
12. When products have been purchased outside of the United Kingdom                                                                   contractor approved by Us in writing
13. Any electronic items (excluding electric guitars and basses) aged over 7 years from date of manufacture                       (g) The alarm must be connected to a police station and an alarm receiving central station by Redcare or another central
14. Failure of leads and cables                                                                                                       monitoring system approved by Us in writing
15. Wear and tear, gradually operating causes, wet or dry rot, atmospheric or climatic conditions, frost, insect and vermin       (h) The alarm must be in full and effective working order and in the event of notification of activation a key holder shall
16. Corrosion, rust, change in temperature, dampness, dryness, shrinkage, evaporation, contamination, change in colour or             attend without delay
    finish, dust, chemical action or reaction                                                                                      (i) In the event of any notification from the police, alarm installer/maintenance company, local authority or central
                                                                                                                                      monitoring station, that their services are withdrawn or suspended, You must notify Us within one working day, and
                                                                                                                                      comply with any requirements stipulated by Us in order to ensure the continuance of cover

                                                                                                                                  Any further additional security requirements at the Insured Location as may be required and specified by an
                                                                                                                                  Endorsement in Your Schedule.
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3.3 Security Requirements for Vehicles where Removable Items are in a Locked                                                           • rebellion, revolution, insurrection; or
    Luggage Compartment                                                                                                                • military or usurped power
                                                                                                                                       • ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning of
Security Requirements - Locations Risk                                                                                                   nuclear fuel, or
Theft whilst Removable Items are in a Locked Luggage Compartment of a vehicle shall only be covered in                                 • the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear
circumstances where:                                                                                                                     component thereof
                                                                                                                                       • pressure waves from aircraft or other aerial devices travelling at supersonic speeds
Risk and Requirements                                                                                                                  • willful, self inflicted injury or illness;
(a) All doors, windows and other openings of the vehicle are left closed, securely locked and properly fastened;                         or
(b) Access to the vehicle must have been by Forcible and Violent Entry                                                                 • suicide or an attempt to commit suicide; or
(c) All security devices installed in the vehicle are in operation and                                                                 • willful exposure to danger, except in an attempt to save a human life;
(d) When Removable Items exceeds £15,000 in aggregate or an individual item exceeding £3,000, the vehicle must be                      • solvent abuse; or
    fitted with a Thatcham category 1 or 2 alarm/immobiliser                                                                            • being under the influence of alcohol or drugs, except those prescribed by a registered Doctor and not those drugs
(e) If the immobiliser is not factory fitted, it must have been installed by a member of the Vehicle Security Installation Board,         prescribed for drug addiction:
    and evidence of such must be provided in the event of a claim                                                                      • or You engaging in any illegal or criminal act
(f) When You are outside of the United Kingdom where it is impossible to comply to the Thatcham security requirements,
    Theft shall only be covered If the vehicle is fitted with a factory fitted alarm or immobiliser and evidence of its existence    4.2 Any individual item not specified in the Schedule as Property Insured
    must be provided in the event of a claim
(g) Any vehicle used must have                                                                                                     4.3 Any liability in excess of the Sum Insured, or Value, whichever is the lesser
    • valid motor insurance;
    • a valid MOT certificate where applicable                                                                                      4.4 The Property Insured where Evidence Of Ownership has not been provided
    • current road tax where applicable; and
    • all windows and locks that are capable of rendering the vehicle secure.                                                      4.5 Any additional claims costs resulting from supply of equipment from outside the United Kingdom, when items are unavailable
                                                                                                                                       in the United Kingdom or delivery is required to addresses outside of the United Kingdom
Requirements in addition to 3.3 (a) to (g) for
(h) Trailers where in a locked rigid bodied trailer it must be attached to the vehicle by a shackle bolt                           4.6 Any individual item of Property Insured with a Value over £10,000 unless We have agreed cover and included the item
(i) Hatch - Back, four wheeled drive, and estate car, where in a rear storage area of a hatch-back, four wheel drive or                in the Schedule and specified any applicable Endorsement
    estate car, a factory fitted cover must be in place and if not available, the Removable Items must be out of sight, and if
    the Value is less than referred to in 3.3 (d) You must have a Thatcham approved Category 3 steering lock                       4.7 Any consumable items such as strings, leads, cables, reeds, drum skins and Accidental Damage to cymbals, valves,
    immobiliser fitted to the vehicle unless 3.3 (d) security is installed whether required or not                                      speaker cones, bulbs, fuses, wiring failure, disks and software (unless the software is purchased new as a standard
(j) Van or mini bus - where in a rigid bodied van or mini bus, the windows must be obscured and the Removable Items                    software package used exclusively for the production of music, and providing that it cannot be reinstated from a back up
    must be in a compartment not accessible from the driver’s area                                                                     disk (any such back up disk must be kept in a separate location), and that any code (a record of which must be kept
                                                                                                                                       by You) or protection device is no longer available or will operate, and sound cards (unless installed as part



Section 4
                                                                                                                                       of the Property Insured and referred to in the Schedule)

                                                                                                                                   4.8 Collections, unless You have provided Us within 28 days of the Commencement Date, with a full list of all items in
                                                                                                                                       the Collection

GENERAL EXCLUSIONS APPLICABLE TO                                                                                                   4.9 Collections of CD’s, vinyl records, dats, mini disks, dvd’s and karaoke tapes, except when there is a Loss of the entire
                                                                                                                                       collection as a result of fire, flood or Theft, when We will at Our discretion replace all or part of any loss and any
THE CERTIFICATE OF INSURANCE                                                                                                           unreplaced items be compensated by payment

4.1 This certificate of insurance does not cover any Accidental Damage, Loss or Theft or any expense whatsoever or any
consequential loss or any legal liability of whatsoever nature, directly or indirectly caused contributed to by or happening
through or in consequence of:

(a)   any act of fraud or dishonesty by You or anyone acting on Your behalf;
(b)   delay, confiscation, nationalisation or detention by Customs or other government or public authority;
(c)   depreciation or consequential loss of any kind;
(d)   intentional causes at the direction of, or with Your knowledge;
(e)   the failure of; or the fear of the failure of; or the inability of any equipment or any computer programme to recognise,
      interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date;
(f)   • war or invasion; or
      • Terrorism; or
      • acts of foreign enemies; or
      • hostilities (whether or not war has been declared); or
      • civil war; or
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Section 5                                                                                                                        5.9 Reasonable Care
                                                                                                                                     You must take all reasonable care to prevent any Accidental Damage, Theft or Loss and keep Your Property Insured
CONDITIONS                                                                                                                           and the Insured Location in a good state of repair and condition. You must take all reasonable care to comply with all
                                                                                                                                     statutory obligations and regulations imposed by any statutory, regulatory, or government authority.
5.1 Automatic Reinstatement of Cover
                                                                                                                                 5.10 Subrogation
    In the event of a claim resulting in a total loss and subsequent replacement or cash payment, We will automatically
                                                                                                                                      In the event that a third party is deemed liable for part or all of any claim, We may exercise Our right of subrogation.
    reinstate cover on Your replacement equipment upon confirmation from You of the new property to be insured without
                                                                                                                                      You shall, at Our request and Our expense, agree to and permit Us to do such acts and things as may be necessary
    change to the Schedule renewal date. Following a claim, We reserve the right to decline cover or apply special terms.
                                                                                                                                      or reasonably required for the purpose of exercising this right. You will take no action or make any agreements that
                                                                                                                                      may weaken or remove Our rights under this clause without Our prior written permission. We will pay any costs or
5.2 Cancellation
                                                                                                                                      expenses involved in exercising Our right of subrogation.
    We can cancel Your certificate of insurance by sending You 7 days notice in writing by recorded delivery to Your last
    known address. In these circumstances We will repay any unused part of Your Premium. You have a right to cancel
                                                                                                                                 5.11 Under Insurance
    within 14 days. However we have extended this statutory period to 28 days from the Commencement Date. You will
                                                                                                                                      A proportionate reduction in any claims settlement will be made should You under insure (i.e.: the Sum Insured is
    receive a refund of Your Premium less an administration fee of 20% of the Premium, subject to a minimum of £5 and a
                                                                                                                                      less than Value).
    maximum of £25, and a time on risk charge apportioned as a percentage of the Premium.

     No refunds are payable for cancellation, in part or in whole, by You for any reason outside of 28 days from the
     Commencement Date, other than amendments as allowed.

5.3 Contracts (Rights of Third Party) Act 1999
                                                                                                                                 Section 6
    A person who is not party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce    CLAIMS
    any term of this contract but does not affect any right or remedy of a third party which exists or is available apart from
    that Act.                                                                                                                    On the happening of any event which may give rise to a claim:

5.4 Data Sharing                                                                                                                 6.1 You shall give immediate notice, as soon as You become aware to:
    Under the terms of the Memorandum of Understanding in respect of information sharing between the Police Service and              (a) the police in respect of any Theft or malicious damage and
    the insurance industry, We will ask for Your consent that personal data can be shared with the relevant                          (b) Us via
    Police Constabulary to assist in the validation of Your claim. Failure to give Your consent may prejudice Your claim. We         Claims Department of Pavilion Insurance Management Limited,
    may share claims and underwriting information with other insurers and third parties in the course of conducting                  Pavilion House, Mercia Business Village, Coventry, CV4 8HX.
    Our enquiries.                                                                                                                   Telephone (CLAIMS DEPARTMENT) 02476 851050.

5.5 False/Fraudulent Claims                                                                                                      Failure to comply with either or both clause 6.1 (a) or (b) may result in a claim being rejected.
    If You or anyone acting on Your behalf makes a claim under this certificate of insurance and know the claim is false
    or fraudulent in any way, the cover is void and the claim will not be paid, and all monies received by You or Your           6.2 Within 30 days of notifying Us, You shall supply, at Your own expense full details of the claim in writing together with any
    representatives, shall be immediately repaid.                                                                                    supporting information, Evidence Of Ownership and proofs which We may reasonably require.

5.6 Important Changes                                                                                                            Failure to comply with clause 6.2 may result in a claim being rejected.
    The cover under this certificate of insurance is based on information You have given Us and confirmed in Your
    Schedule. You must tell Us as soon as possible if any of this information changes, as Your cover will be affected.           6.3 No claim shall be paid until You have complied with clause 6.1 and 6.2.

5.7 Material Facts                                                                                                               6.4 We have the right, without thereby incurring any liability and without diminishing Your right to rely on any condition
    You should advise Us of any Material Facts or information that would have a bearing on Us accepting You and the                  of this certificate of insurance, to take and keep possession of any of the Property Insured and to deal with salvage in a
    Property Insured for insurance, in particular any previous events involving Accidental Damage or Theft whether insured           reasonable manner, but You shall not abandon any Property Insured to Us.
    or not. In particular, You must tell Us about:
    (a) previous convictions for any act of fraud, theft or dishonesty;                                                          6.5 You shall give such information and assistance as We may reasonably require, to substantiate any claim.
    (b) previous claims made under any previous insurance;
    (c) where any special terms or conditions have been applied by previous insurers; or                                         6.6 In respect of personal liability claims, You must send Us any claim, writ or summons as soon as You receive it. Do not
    (d) where You have been refused or declined cover by a previous insurer.                                                         negotiate, pay or settle, admit or deny any claim without Our written permission. You must also notify Us in writing of
                                                                                                                                     any impending prosecution inquest or fatal accident enquiry.
5.8 Other insurance
    If at the time of any claim covered under this certificate of insurance, You have any other insurance or guarantee which
    covers the same theft, accidental damage, loss, damage or personal accident, We will only pay a rateable share of
    the claim.
    In respect of personal liability cover under section 2.7 no cover is available under this certificate of insurance if You
    have indemnity from any other source.
14                                                                                                                                                                                                                                                                 15




Section 7                                                                                                                             Section 9
WHAT TO DO IF YOU HAVE A COMPLAINT                                                                                                    INFORMATION ABOUT YOUR INSURANCE PROVIDERS
It is always Our intention to provide a first class standard of service. However, any enquiries or complaints You may have             Musicguard
regarding this insurance cover should be addressed to:                                                                                is a registered trade mark of Pavilion Insurance Management Limited whose registered office is at:
                                                                                                                                      Pavilion House, Mercia Business Village, Westwood Business Park, Coventry CV4 8HX.
1.   The Managing Director
                                                                                                                                      The company is registered in England - registration number 3236246
     Pavilion Insurance Management Ltd. Pavilion House, Mercia Business Village, Coventry CV4 8HX
                                                                                                                                      The ultimate holding company is:
     If You remain dissatisfied You are welcome to write to:
                                                                                                                                      Pavilion Insurance Network Plc which is listed on the AIM market of the London Stock Exchange.
2.   Head of Claims                                                                                                                   The company is authorised and regulated by the Financial Services Authority.
     UK Underwriting Ltd.
     2 Gibraltar House, Bowcliffe Road,                                                                                               UK Underwriting Limited
     Leeds LS10 1RJ                                                                                                                   whose registered office is at: 2 Gibraltar House, Bowcliffe Road, Leeds LS10 1RJ.
     Please quote Your Schedule and/or claim number so that Your enquiry can be dealt with quickly.
                                                                                                                                      The company is authorised and regulated by the Financial Services Authority
     You will also have the right to ask the Financial Ombudsman Service to review Your case at the following address:
                                                                                                                                      Norwich Union Insurance Limited
3.   The Financial Ombudsman Service (FOS)                                                                                            Whose registered office is at: 8 Surrey Street, Norwich NR1 3NG.
     South Quay Plaza,
     183 Marsh Wall,                                                                                                                  The company is registered in England - registration number 99122.
     London, E14 9SR
                                                                                                                                      The company is authorised and regulated by the Financial Services Authority
     Tel: 0845 080 1800

                                                                                                                                      Norwich Union is an Aviva company. Aviva plc is the world’s fifth - largest insurance group (based on gross worldwide
                                                                                                                                      premiums) and the biggest in the UK. It has substantial businesses elsewhere around the world. General Insurance is one


Section 8
                                                                                                                                      of its main activities. It has premium income and investment sales of £30 billion, and around £240 billion of assets under
                                                                                                                                      management. Together with 30 million customers worldwide you can be sure that Aviva are in a position to help you guard
                                                                                                                                      against the unexpected, or protect the things that are important to you.


COMPENSATION SCHEME
This procedure will not prejudice Your right to take legal proceedings. However, please note that there are some instances when the
FOS cannot consider complaints and the complaints procedure must be fully exhausted before You consider legal proceedings.
Norwich Union Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled
to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the
circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder
of the claim. You can get more information about compensation scheme arrangements from the FSCS. The FSCS can be
contacted at 7th Floor, Lloyds Chambers, 1 Portsoken Street, London E1 8BN, or by telephone or fax
(Tel: 020 7892 7300 or Fax: 020 7892 7301), or by e-mail (enquiries@fscs.org.uk).
16                                                                                                                                                                                                        17




Contact us                                                                     POLICY SUMMARY
You can contact Musicguard by phone:

For Sales and Administration please call:              02476 851000
For Claims please call:                                02476 851050

Fax                                                    02476 851080
Email                                                  info@musicguard.co.uk
Web site                                               www.musicguard.co.uk    Some important facts about your insurance are summarised below. This summary does not describe all the terms and
                                                                               conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.
Our address:
                                                                               Insurer:    Norwich Union Insurance Limited
Pavilion House
Mercia Business Village
Westwood Business Park                                                         Musicguard - Flexicover
Coventry
CV4 8HX                                                                        ABOUT YOUR COVER

Musicguard is a trading name of Pavilion Insurance Management Ltd.             FEATURES AND BENEFITS                       SIGNIFICANT EXCLUSIONS OR                  POLICY SECTION
Registered in England 3236426                                                  INCLUDED AUTOMATICALLY                      LIMITATIONS
Authorised and regulated by the Financial Services Authority
                                                                               Theft of the Property Insured from         Any claim under £100                       2.1.1
                                                                               within the Territorial Limits, when from
                                                                               the Insured Location                       Unless involving Forcible and Violent      2.1.3
                                                                                                                          Entry and You have complied with
                                                                                                                          Security Requirement 3.2

                                                                                                                          Theft from any building at the Insured     2.1.7
                                                                                                                          Location which is not of brick or stone
                                                                                                                          built construction with a tiled or multi
                                                                                                                          layer roof and securely locked, unless
                                                                                                                          specified in an Endorsement

                                                                               Theft of the Removable Items within        Any claim under £100                       2.2.1
                                                                               the Territorial Limits, when not from a
                                                                               Locked Luggage Compartment                 When the Removable Items are in a          2.2.3
                                                                                                                          locked room or cupboard away from
                                                                                                                          the Insured Location unless access
                                                                                                                          has not been made by Forcible and
                                                                                                                          Violent Entry and You have complied
                                                                                                                          with Security Requirements 3.1b or
                                                                                                                          3.1c as applicable

                                                                                                                          When the Removable Items are               2.2.4
                                                                                                                          unattended

                                                                               Accidental Damage to the Property          Any claim under £100                       2.4.1
                                                                               Insured and Removable Items within
                                                                               the Territorial Limits                     When Accidental Damage is sustained        2.4.3
                                                                                                                          in transit to Removable Items, when
                                                                                                                          handed to a recognised transport
                                                                                                                          provider, unless the Property Insured
                                                                                                                          is securely packaged in a purpose
                                                                                                                          designed Rigid Bodied Case

                                                                                                                          When the Property Insured is               2.4.6
                                                                                                                          Unattended
18                                                                                                                                                                                                                             19




Loss                                      Any claim under £100                        2.5.1                                    UK only extended to EU and up to          Same as where Territorial Limits apply
                                                                                                                               30 days Worldwide during any one
                                          When the Removable Items are                2.5.5                                    Period of Insurance
                                          Unattended
                                                                                                                               UK only extended to Worldwide             Same as where Territorial Limits apply
Personal Accident whilst using an         The amounts We will pay under this          2.6                                      cover at any time during the Period of
item of musical, entertainment, sound     section are:                                                                         Insurance
or lighting equipment                     • Loss of Limb                  £5,000
                                          • Loss of Sight                 £5,000                                               Breakdown of the Property Insured         An Excess of £50 for each and every        2.9.1
                                          • Permanent Total Disablement £10,000                                                within the Territorial Limits covering    item
                                          • Death                         £10,000                                              any electronic item up to seven years
                                          Benefit under this section shall be                                                   old from date of manufacture, and all     When the item has been purchased           2.9.12
                                          payable to You or Your nominees,                                                     guitars and basses (including electric)   outside the UK
                                          and shall be limited to a maximum                                                    and all musical instruments specified
                                          of £10,000 per person. General                                                       in Your Schedule                          Any electronic items (excluding electric   2.9.13
                                          Exclusions and Conditions apply                                                                                                guitars and basses) aged over 7 years
                                                                                                                                                                         from date of manufacture
                                          Any loss directly or indirectly arising     2.6.4
                                          from stress, trauma or psychiatric
                                          illness                                                                                                             Policy Associates Personal Accident and Personal Liability

                                                                                                                               Personal Accident whilst using an         The amounts We will pay under this         2.6
Personal Liability which arises from      The amount We will pay is up to the         2.7
                                                                                                                               item of musical, entertainment, sound     section are:
the use or ownership of musical,          amount shown in Your Schedule
                                                                                                                               or lighting equipment                     • Loss of Limb                  £5,000
entertainment, sound or lighting
                                                                                                                                                                         • Loss of Sight                 £5,000
equipment                                 We will not pay the first £500 of each       2.7.2
                                                                                                                                                                         • Permanent Total Disablement £10,000
                                          and every claim arising from third party
                                                                                                                                                                         • Death                         £10,000
                                          property damage
                                                                                                                                                                         Benefit under this section shall be
                                                                                                                                                                         payable to You or Your nominees,
                                          Claims arising out of or in connection      2.7.7 b)
                                                                                                                                                                         and shall be limited to a maximum
                                          with Your trade, profession or
                                                                                                                                                                         of £10,000 per person. General
                                          business, or assumed under contract
                                                                                                                                                                         Exclusions and Conditions apply
                                          other than that of musician, music
                                          teacher, sound and lighting engineer,
                                                                                                                                                                         Any loss directly or indirectly arising    2.6.4
                                          entertainer, disc or visual jockey
                                                                                                                                                                         from stress, trauma or psychiatric
Hire of Equipment                         Costs of more than 10% of the sum           2.8.1                                                                              illness
                                          insured or £250 whichever is the
                                          lesser for each item to a maximum                                                    Personal Liability which arises from      The amount We will pay is up to the        2.7
                                          of £3,000 during any one Period of                                                   the use or ownership of musical,          amount shown in Your Schedule
                                          Insurance                                                                            entertainment, sound or lighting
                                                                                                                               equipment                                 We will not pay the first £500 of each      2.7.2
OPTIONAL COVER                             SIGNIFICANT EXCLUSIONS OR                  POLICY SECTION                                                                     and every claim arising from third party
                                           LIMITATIONS                                                                                                                   property damage
The following cover is applicable only if You have chosen to add it to Your policy, the additional premium has been paid and
it is listed in Your schedule                                                                                                                                            Claims arising out of or in connection     2.7.7 b)
                                                                                                                                                                         with Your trade, profession or
Theft of the Removable Items within        Any claim under £100                       2.3.1                                                                              business, or assumed under contract
the Territorial Limits, when from a                                                                                                                                      other than that of musician, music
Locked Luggage Compartment                 When you have not complied with            2.3.4                                                                              teacher, sound and lighting engineer,
                                           Security Requirement 3.3                                                                                                      entertainer, disc or visual jockey

                                           When access has not been made by           2.3.5
                                           Forcible and Violent Entry
20                                                                                                                                                                                                                                                      21




DURATION

The cover is for 12 months from the commencement date.
                                                                                                                            Terms of business
                                                                                                                            The Financial Services Authority (FSA) is the regulatory regime for the sale of insurance products. We are required as an
                                                                                                                            authorised company, to give you this statement so that you can be confident in deciding if our products and services are
CANCELLATION RIGHT                                                                                                          right for you. Pavilion Insurance Management Limited is authorised and regulated by the Financial Services Authority. Our
                                                                                                                            FSA Register number is 300529.
We hope you are happy with the cover this policy provides. You have a right to cancel within 14 days. However we have
extended this period to 28 days from the commencement date. Please see 5.2 of section 5 of the policy wording.              You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on
                                                                                                                            0845 606 1234.
MAKING A CLAIM
                                                                                                                            All the specialist insurance products that we sell on our web site www.pavilioninsurance.com and through our call centre
If you have a claim please telephone us on 02476 851050 as soon as possible to tell us about it.                            02476 851000 have been developed by Pavilion Insurance Management Limited using our specialist knowledge of
                                                                                                                            the markets in which we operate, and are underwritten by a panel of insurers including; Pinnacle Insurance plc, UK
HOW TO MAKE A COMPLAINT                                                                                                     Underwriting, acting on behalf of Primary Insurance Company Limited, Norwich Union Limited and certain underwriters at
                                                                                                                            Lloyds.
We hope you will be pleased with the service we provide. However, if you have a complaint about our service or about a
claim, please call us on 02476 851000. If you are still not satisfied, please write to:                                      We do not provide advice as part of our service, but we will ask you questions to enable us to provide you with our most
                                                                                                                            appropriate policy options. You will then need to make your own choice on how to proceed.
Managing Director
Pavilion Insurance Management Limited,                                                                                      If any aspect of our service or products causes you to make a formal complaint, please write in the first instance to:
Pavilion House,
Mercia Business Village,                                                                                                    The Managing Director,
Westwood Business Park,                                                                                                     Pavilion Insurance Management Limited,
Coventry CV4 8HX.                                                                                                           Pavilion House,
                                                                                                                            Mercia Business Village,
If you are still not happy with the response you have received, you have the right to ask the Financial Ombudsman Service   Westwood Business Park
to review your case.                                                                                                        Coventry,
                                                                                                                            CV4 8HX.
COMPENSATION SCHEME
                                                                                                                            If we are unable to deal with your complaint to your satisfaction, then you may be entitled to refer it to the Financial
Norwich Union Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled        Ombudsmen Service.
to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the
circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder       We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the
of the claim. You can get more information about compensation scheme arrangements from the FSCS. The FSCS can be            scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further
contacted at 7th Floor, Lloyds Chambers, 1 Portsoken Street, London E1 8BN, or by telephone or fax (Tel: 020 7892 7300 or   information about compensation scheme arrangements is available from the FSCS who can be contacted at:
Fax: 020 7892 7301), or by e-mail (enquiries@fscs.org.uk).
                                                                                                                            7th Floor,
                                                                                                                            Lloyds Chambers,
                                                                                                                            1 Portsoken Street,
                                                                                                                            London E1 8BN,
                                                                                                                            or by telephone or fax
                                                                                                                            (Tel: 020 7892 7300 or Fax: 020 7892 7301), or by e-mail (enquiries@fscs.org.uk).

                                                                                                                            The compensation limit for insurance mediation where the intermediary fails is 100% of the first £2,000 and 90% of
                                                                                                                            the remainder.

                                                                                                                            We deal with you in a professional and courteous manner, and we look forward to the prospect of you being a
                                                                                                                            satisfied policyholder.

                                                                                                                            Our objective is to provide an efficient professional, and quality service to all of our customers.
22                                                                                                                                                                                                                                                             23




Hints and Tips                                                                                                                  The Seal of
AVOIDING PROPERTY LOSS
There’s a lot you can do to help reduce theft or accidental damage to your equipment. By taking a few common sense
precautions, you can reduce the chances of a loss occurring by following the advice below.
                                                                                                                                Good Service
                                                                                                                                We undertake to provide the best service whether you are a web or a telephone customer.
• Do not leave your equipment unattended. If you have to leave it at all, even for a few seconds, give it to a friend or        We are so confident that we will meet the Standards we have set ourselves under our ‘Seal of Good Service’ that should we
  colleague to look after as this is a chance for the opportunist thief to strike.                                              fail to meet any of them we will pay you compensation of £5 by way of a discount off your renewal premium.
• Keep your instruments with you at all times when travelling on public transport.
• Stay alert when you have your equipment with you on a journey. Attach the strap where available to yourself if                1. The Standards
  you are going to be asleep for any part of the journey.                                                                           We will:
• Never leave your equipment on show in an unattended vehicle. If your vehicle has an alarm make sure it is in operation.         • Despatch your full set of policy documents, either electronically or by post, within 3 working days*
• Is your home as secure is it could be? Consider fitting window locks and good quality locks to any entry or exit doors. An       • Reply to any written correspondence within 3 working days of receipt**
  intruder alarm will deter thieves and also give you added piece of mind.                                                        • Reply to email communications within 2 working days of receipt
• Do not entrust your instruments to anyone who is not personally known by you.                                                   • Despatch a claims form within one working day
• Ensure that when the equipment is in transit, it is in a rigid body case to minimise impact damage.                             • Acknowledge any communication regarding a claim within 3 working days
• On planes, take as hand luggage where possible.                                                                                 • Respond to a voice message left on our telephone system within 4 working hours
• Mark all of your equipment with your postcode by ultraviolet pen.                                                               • If eligible despatch an offer to renew your policy no less than 25 days prior to expiry
• When not is use, return all instruments to their protective case and make sure your case is securely fastened.                  * A working day is defined as – any weekday, excluding bank holidays, when normal business is conducted between the
• Don’t leave your instruments where they can be sat or trodden on.                                                                 hours of 9:00am – 7:00pm
• When loading and unloading your equipment, check that you have packed all items and not left any at the roadside or on        ** Postal despatch – any written communication posted shall be deemed to have been received the next working day if
  top of your car. Whilst loading, ensure someone stays with the vehicle or lock it between trips.                                  posted first class; within 5 working days if posted second class. Any electronic communication shall be deemed to have
• Take care around water and other liquids. Equipment is not designed to be used near water. Also ensure that you store             been received within the same or the next working day.
  equipment at an even storage temperature away from humid conditions.
• Only ever use your equipment for the purpose it was designed for and in accordance with the manufacturers conditions.         2. Web Operations
• Try to avoid leaving your instrument in situations where it can be easily knocked over, or fall over.                            If our web site is down we will take the order over the phone during normal business hours and set you up as if
• Many musicians overlook the personal liability they face whilst using equipment. If you were to damage property belonging        conducted on the web and at the same cost.
  to a third party, injure or cause an accident as a result of your negligent actions, you could be personally liable to meet
  any costs brought against you. With the increasing number of no win no fee cases, Personal Liability insurance is vital if    3. 28-day money back guarantee
  you want to protect against an award being made against you.                                                                     If you change your mind, or find that the cover is unsuitable for you, you can cancel your policy within 28 days and
                                                                                                                                   receive a refund, subject to conditions.
                                                                                                                                   We can cancel your certificate of insurance by sending you 7 days notice in writing by recorded delivery to your last
Spread the cost by monthly direct debit                                                                                            known address. In these circumstances we will repay any unused part of your premium. You have a right to cancel
                                                                                                                                   within 14 days. However we have extended this statutory period to 28 days of the commencement date. You will receive
You can pay your premium over 12 months by direct debit. The facility is provided via a finance agreement with PIN Finance
Ltd. The agreement can be set up in a few moments either over the web or the telephone.                                            a refund of your premium less an administration fee of 20% of the premium, subject to a minimum of £5 and a maximum
                                                                                                                                   of £25, and a time on risk charge apportioned as a percentage of the premium. No refunds are payable for cancellation,
                                                                                                                                   in part or in whole, by You for any reason outside of 28 days from the Commencement Date, other than amendments
No claims discount                                                                                                                 as allowed.
We provide discounts when you renew if you have had a claims free experience. After two years 5%, three years 10%, and
after 5 years 12.5%. We will show any no claims entitlement on your renewal notice, however we can only provide these           4. ‘Double the Difference’ price guarantee
discounts when you have renewed your policy on time.                                                                               We are confident that our policies contain the best cover at the lowest prices. If you find better and cheaper cover
                                                                                                                                   within 28 days of your policy’s commencement date (written proof required), we will refund double the difference back
                                                                                                                                   in premium.
Changes to your policy                                                                                                             Simply, if you find a policy with the same cover or even better cover at a lower price, within 28 days of taking out cover
You can effect changes or additions to your policy on line or via the telephone. It’s cheaper to do this on the web.               we will give you double the difference by either a cheque or credit card credit payment, providing of course that you
                                                                                                                                   maintain cover with us.
It’s cheaper on the web                                                                                                            To make sure that we keep on our toes, we also provide this guarantee when you make a renewal.
                                                                                                                                   Be very careful when making a decision when placing your insurance that you have fully understood the terms being
Our web based customers are guaranteed to get the lowest possible price for a new policy, which is usually around £10
                                                                                                                                   offered to you – for example, there are some companies that quote monthly payments but in fact define a month as a
less than transacting business via our call centre. All our customers get the same price for the renewal of their policy. Web
                                                                                                                                   lunar month so you pay 13 payments instead of 12.
based customers do not pay an administration charge when making mid - term adjustments on - line, but telephone or postal
customers will be charged a £5 administration fee, plus the cost of any additional cover. We do not charge for amendments
                                                                                                                                Our Seal of Good Service is designed to flag the areas where you should expect us to perform and deliver a high level
to personal details.
                                                                                                                                of service to you. It is our aim to give you the best cover, best value and best service. If any other areas fail to meet your
                                                                                                                                expectations we would appreciate you giving us the opportunity to put things right.

				
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