Hand bell insurance

Playing hand bells can be challenging, but with practice and dedication, they can be mastered. The technique of hand bell playing involves precise coordination, control, and musicality. It requires learning to strike the bells with proper timing and technique to produce the desired sound. While hand bell playing may seem daunting at first, with guidance from experienced instructors and regular practice, anyone can learn to play hand bells and enjoy the unique and beautiful music they create.

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

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.

Many venue owners may require musicians to have Public Liability insurance before they can play gigs. Public Liability insurance can cover you if you were to hurt someone or damage their property while you’re performing and for which you are then held liable.

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

There are two main types of hand bells commonly used in musical performances: hand chimes and hand bells. Hand chimes are typically made of metal tubes that produce a melodic tone when struck with a mallet or hand. They have a softer, more delicate sound compared to hand bells. On the other hand, hand bells are traditional bells made of metal and have a distinct ringing sound. hand bell ensembles often use multiple hand bells of different sizes and pitches to create harmonies and melodies. Both hand chimes and hand bells offer unique musical possibilities and are commonly used in various musical settings.

Public Liability (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 musicians and what Public Liability cover can protect you against, you can consult our policy wording here.

The main difference between a handbell and a hand chime lies in their construction and resulting sound. A handbell is a traditional bell made of metal, producing a resonant and distinct ringing sound when struck. Handbells are available in different sizes and pitches, allowing for a wide tonal range. On the other hand, a hand chime is constructed from metal tubes, producing a softer and more delicate melodic tone when struck. Hand chimes are often used to create a harmonious and ethereal sound, complementing the overall musical arrangement. Both handbells and hand chimes offer unique qualities and are utilized in various musical contexts..

Hand bell players wear gloves to protect the bells from oils, dirt, and moisture that can affect the sound quality. The gloves act as a barrier between the player's hands and the metal surface of the bells, preventing tarnishing and preserving their appearance. Additionally, gloves provide a consistent surface for gripping the bells, enhancing control and precision during performances. By wearing gloves, hand bell players ensure the longevity and optimal performance of their instruments, while also maintaining a professional and polished appearance during their musical presentations.

Any offer we make to you will be determined by the features and specification of the insured item claimed for. This is based on the current market equivalent for products of a similar quality and specification and not the original cost of the item.

Our Mechanical Breakdown option provides cover for repair costs to electrical instruments and equipment that you purchased from new, are no more than five years old and are outside of any other warranty. Unfortunately, we are unable to cover laptops, tablets, desktop computing equipment and related accessories with this cover option.

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.

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.

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.

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.

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.

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.

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.