General advice on Hand Bell Insurance

Before you buy music insurance, musical instrument insurance or any Hand Bell insurance consider the cover you require. You should consider how you play your Hand Bell. We hope that the following may help you consider what options are right for you:-

ISN'T MY INSTRUMENT COVERED UNDER MY HOUSEHOLD POLICY?

That depends, consider the following...

  • If you take your instrument out of the home, say to school or an event, you will need to check that your household policy covers this (normally an out of home extension is required).

  • This extension will normally have a single item limit. Is your Hand Bell below this limit?

  • Will it cover loss/ theft from a building e.g. a concert hall/ school or if left on a school bus?

  • What is your policy excess (typically €100, €250 etc.).

  • Will a claim following damage to your instrument affect your Contents No Claims Discount (if applicable).

  • Will your contents insurers know where best to repair your Hand Bell?

  • If you damage your Hand Bell would your contents policy pay for a loan of a Hand Bell to enable you to continue to play?

WHY CHOOSE SPECIALIST INSURANCE FOR YOUR INSTRUMENTS WITH MIS Underwriting ?
  • A specialist policy covers your Hand Bell in and outside the home for the UK and can be extended to cover the Hand Bell on a worldwide basis.

  • A standard €0 policy excess applies (although you can consider taking an excess if required).

  • Policy extensions to include loaning of the Hand Bell.

  • Other benefits include:

    1. Worldwide, ROI, Premises only cover options

    2. Theft cover

    3. Accidental damage cover

    4. Loss cover

    5. Unspecified musical accessory cover comes as standard (limit €350)

    6. Unattended vehicle cover

    7. Hire costs in the event of a claim

    8. 14 days free cover when you borrow/acquire a new instrument (limit €3,500)

    9. ROI wide repair network

  • Depreciation cover is included as standard within MIS Underwriting instrument insurance policy.

In addition to Hand Bell insurance on the instrument you may be asked to play in public. Often you are then asked for music Public Liability cover (musician liability insurance). 

Players should still look after their instrument as Hand Bell insurance cannot cover everything and the following guidelines are we hope helpful:-

Cleaning. Always clean the bells before putting away as finger prints/ marks will tarnish the bell.

Handling. We would recommend that you wear gloves to avoid marking the bell.

Clapper Shafts – These can on occasions stick. Your retailer or manufacturer can supply you with relevant tools.

General maintenance – check restraining springs and change as required.

Ask - Your retailer and manufacturer will provide you with the best advice and servicing.

 

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