DJ Insurance

Whether you’re a professional or an amateur DJ, it’s worth keeping yourself covered. Your DJ set up can take a while to perfect and can be expensive to replace.

Our specialist insurance for DJs means that you get a cover that suits you and can protect you while you’re away from your home.

Many venue owners may require DJs to have Public Liability insurance before they can play gigs, which is why we automatically provide you with up to £1million worth of Public Liability cover. Subject to the terms and conditions of the policy, this can cover potential costs incurred in the event of someone taking you to court for damages you have caused to their property or even an injury to a third party, whilst going about your DJ activity. Our optional legal cover will extend your legal cover to £5m.

Public Liability insurance for DJs (also referred to as personal liability or Third Party Liability) provides cover for any music-related legal liability that results in an injury to someone or damage to their property and where you are held liable.

For more information on our Public Liability cover for DJs and what Public Liability cover can protect you against, you can consult our policy wording here.

For items that can be readily replaced with a new one (or with a similar model), the value should be the usual, undiscounted cost including VAT from a reputable retailer at the time you apply.

If you have a query as to what value you should insure your equipment for, feel free to get in touch with one of our friendly, UK-based customer service team either by:

• Phone: 0333 004 3888
• Email: support@guardcover.co.uk

As a DJ, your lighting and staging equipment can be covered on your policy.

When you are insuring your instruments; the policy would have to be in one person's name and this person would automatically get £1million of Public Liability. For an additional premium you can increase your Public Liability cover to £5million or £10million and include up to four additional band or group members who help support you in your music.

Our DJ insurance is provided on an annual basis, we do not offer any cover on a short term or temporary basis.

If your DJ equipment is accidentally damaged and you’ve made a claim with us, we can provide up to £2,000 towards replacement hire equipment within the UK in the meantime.

As part of our Global Travel option, we can provide up to £250 to hire replacement DJ equipment from a reputable retailer if your insured equipment is damaged whilst you’re abroad.

Yes, our policy can cover pre-booked music related loss of earnings that are as a direct result of bodily injury caused by an accident that prevents you from attending either: your music-related profession, events, or any lessons.

We can cover up to £800 or 75% of pre-booked music-related events that you are no longer able to attend. Please refer to your Policy Wording for full terms and conditions.

Unfortunately, we are unable to cover any mobile or smart phones on our music insurance.

The minimum age for the main policyholder is 18. Public Liability and Personal Accident cover (if you have chosen to include this on your policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.

If you need to cover your instruments at more than one address, please call our contact centre on: 0333 004 3888

We can then look to update the policy accordingly dependent on the policy and security requirements.

As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.

You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.

Our Mechanical Breakdown option provides cover for repair costs to electrical instruments and equipment, purchased from new, up to five years old and outside of any other warranty. Unfortunately, we are unable to cover laptops, tablets, desktop computing equipment and related accessories with this cover option.

Yes, you can make changes to your policy by simply logging in to your online account here, or by getting in touch with our contact centre by either:

• Phone: 0333 004 3888
• Email: support@guardcover.co.uk

You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.

All insured items claims are subject to the following excess unless otherwise stated on your insurance schedule:

• Cover for Insured Items - Excess payable = £75
• Mechanical Breakdown for Insured Items - Excess payable = £75
• Public Liability Property Claims - Excess payable = £500
• Public Liability Injury Claims - Excess payable = Nil

For Public Liability claims, the first £500 of each claim arising from damage to third party property.

You need to tell us about any music related losses or claims you have had within the last three years whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as if not this could invalidate your cover.