We have split the FAQ's into 5 sections - please click on the relevant link to see those questions.
About the cover
About the company
About the site
Problems opening or receiving documents
How to complain
About the cover
1) Do you only cover UK residents?- Yes. You must be a resident of, and domiciled in, the United Kingdom, the Channel Islands, Isle of Man or Northern Ireland. Sorry, we cannot cover residents of Eire.
- 2) Do you operate a bonus scheme?
- Yes, we believe in rewarding loyal customers, even if you are unfortunate enough to make a claim we will not reduce your loyalty bonus. This is how our loyalty bonus system works:
• After year one = 5% discount (minimum of £5)
• After year two = 7.5% discount (minimum of £5)
• Between year three and four = 10% discount (minimum of £10)
• Between year five and seven = 15% discount (minimum of £10)
• Between year seven and ten = 20% discount (minimum of £15)
- Yes, we believe in rewarding loyal customers, even if you are unfortunate enough to make a claim we will not reduce your loyalty bonus. This is how our loyalty bonus system works:
- 3) I have previously made a claim, will this affect my cover?
- You need to tell us about any musical instrument or equipment claims you have made within the last three years.
Having made a previous claim won't affect your cover and you won't have to pay a higher premium. You can have up to 2 prior claims and still take out DJguard insurance.
You need to complete the claims section of the application form, as failure to disclose this information could invalidate your cover. You must also disclose any criminal convictions for theft or dishonesty. If you are in any doubt, you should tell us.
- You need to tell us about any musical instrument or equipment claims you have made within the last three years.
- 4) What information do you need to start cover?
- We need your name, contact details, date of birth, payment details and the make and model of each item you would like to cover. Whilst we don't require the serial number to complete an application, you will need to provide this for items over £750 in the event of a claim.
- 5) I am part of a group/band – how do I arrange cover?
- You can arrange cover for your band or group's equipment, just apply as normal but include all of your band's equipment in the equipment list. You become the organiser for the band – you will be the policyholder but it will cover the whole bands equipment – you can also add in the bands name as the trading name, just so there is some reference to it on your policy details.
You can also extend cover to include public liability and personal accident benefits for up to 30 named band or group members (for an additional premium per person).
- You can arrange cover for your band or group's equipment, just apply as normal but include all of your band's equipment in the equipment list. You become the organiser for the band – you will be the policyholder but it will cover the whole bands equipment – you can also add in the bands name as the trading name, just so there is some reference to it on your policy details.
- 6) What is the minimum/maximum age?
- The minimum age we can insure is 16. However, we can provide cover for children under this age, providing the policy is arranged in a parent or guardian's name.
The public liability and personal accident cover is only applicable for policyholders aged between 16-85. Total permanent disablement is not applicable over the age of 65.
- The minimum age we can insure is 16. However, we can provide cover for children under this age, providing the policy is arranged in a parent or guardian's name.
- 7) What value should I insure my equipment for?
- 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 dealer at the time you apply. End of season offers and bargains from Ebay do NOT count as the usual price.
For vintage and rare instruments & equipment you should obtain a specific valuation. The valuation should be from a reputable source and not more than 12 months before your commencement date. It is advisable to obtain a new valuation at least every three years, to take into account any market changes in value during the period.
It is better to over insure rather than under insure.
- 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 dealer at the time you apply. End of season offers and bargains from Ebay do NOT count as the usual price.
- 8) What is the maximum value you insure?
- You can insure a total value up to £50,000 through this website as long as no one item is over £10,000 in value. If you have an item over that value, we may be able to cover you, please call on 0844 826 2296 for an individual quote.
- 9) Is there an excess on this policy?
- That depends on the type of claim:
• For theft, loss and accidental damage claims there is no excess but there is a minimum claim amount of £100
• Our optional breakdown cover has an excess of £50 per item
• Public liability claims are subject to a £500 excess for third party property damage only.
If you want to reduce your premium, you can pay a voluntary excess and save around 12.5%
- That depends on the type of claim:
- 10) Will my cases be covered?
- Cases will only be covered where you have specified that an item has a case and have included the value of the case with the item value. If the case value exceeds £100 you should add this as a separate item.
- 11) Are there any items you cannot cover?
- The maximum cover for any one item is £10,000. We may be able to cover higher value items subject to individual quote – please call on 0844 826 2296.
We cover most items with the exception of:
• consumables such as strings, reeds, cables, skins, bulbs and fuses
• accidental damage to cymbals, valves and speaker cones
• wiring failure
Computer disks, software and soundcards are only covered if:
• They are used exclusively for the production of music
• Have been bought from new
• Cannot be reinstated from a back-up disk
• That any code (a record of which must be kept by you) or protection device is no longer available or will operate.
The information above is a guide only – full details are available.
- The maximum cover for any one item is £10,000. We may be able to cover higher value items subject to individual quote – please call on 0844 826 2296.
- 12) I have a laptop can you insure it?
- Yes, if you use your laptop for DJing you can insure it with DJguard. However, as they have a limited life expectancy we are only able to insure laptops which are less than 5 years old. Depreciation is applied to any claim for a laptop which means that a deduction is made for wear, tear and depreciation.
Alternatively, if you own a laptop and you do not use it specifically for musical purposes you can insure it with our specialist laptop insurance site - Laptopguard.
- Yes, if you use your laptop for DJing you can insure it with DJguard. However, as they have a limited life expectancy we are only able to insure laptops which are less than 5 years old. Depreciation is applied to any claim for a laptop which means that a deduction is made for wear, tear and depreciation.
- 13) Am I covered if I lend, loan or hire my equipment to another person?
- • If you lend your equipment to a responsible adult, then yes, you're covered (providing the person you are lending the equipment to, doesn't steal it!)
• If you hire your equipment and accompany it whilst it's on hire, you are also covered.
• You are not covered if you hire your equipment and do not accompany it.
• Obviously your public liability and personal accident cover is for you alone – this cover is not transferable.
- • If you lend your equipment to a responsible adult, then yes, you're covered (providing the person you are lending the equipment to, doesn't steal it!)
- 14) Are there any specific security requirements for my vehicle or where the instrument is kept?
- Yes – the requirements are quite specific in terms of types of locks and security devices. For more details, see our security requirements guide or the policy wording.
- 15) Am I covered to take my equipment abroad?
- This depends on the options you choose with DJguard. As standard you are covered anywhere in the UK (England, Wales, Scotland and Northern Ireland). If you need to be covered in other locations, you can choose cover:
• Anywhere in the UK, EU with 30 days worldwide in any policy year
• Anywhere in the world at any time in any policy year.
- This depends on the options you choose with DJguard. As standard you are covered anywhere in the UK (England, Wales, Scotland and Northern Ireland). If you need to be covered in other locations, you can choose cover:
- 16) Can I add or make changes to the policy at any time?
- Yes, you can change or renew your policy by calling us – you can also make changes to your policy online.
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.
No refunds are payable for cancellation, in part or in whole, for any reason outside of 28 days from the commencement date other than for amendments allowed.
- Yes, you can change or renew your policy by calling us – you can also make changes to your policy online.
- 17) What is public liability cover?
- Public liability is known by a couple of different names - personal liability or third party liability. It provides cover against damage to persons or property caused by your proven negligence. DJguard includes £2 million cover as standard but you can upgrade to £5 million.
Please take a look at our public liability page for more information.
- Public liability is known by a couple of different names - personal liability or third party liability. It provides cover against damage to persons or property caused by your proven negligence. DJguard includes £2 million cover as standard but you can upgrade to £5 million.
- 18) I am looking for public liability cover only – can you help?
- Yes. If you do not have any equipment to insure, but are a DJ, VJ, musician, sound or lighting engineer or entertainer, we can offer public (personal) liability cover on its own. See our Liabilityguard website for details.
- 19) Do you cover computers, laptops or software?
- Computers and laptops are only covered on DJguard if:
• They are used exclusively for the production of music
Disks, software and soundcards are only covered if:
• They have been bought from new
• They cannot be reinstated from a back-up disk
• That any code (a record of which must be kept by you) or protection device is no longer available or will operate
• Laptops (due to their limited life span) are, in the event of a claim, subject to a deduction being made for wear, tear and depreciation as follows:
o Up to 18 months = No deduction
o Over 18 months and up to 36 months= 25%
o Over 36 months and up to 60 months= 50%
o Over 60 months=100
The information above is a guide only – full details are available.
- Computers and laptops are only covered on DJguard if:
- 20) Do you cover CD or record collections?
- Yes, CD or record collections are covered for total loss (if they are all stolen or ruined as one collection).
If you can't find an answer to the question you're looking for, submit your question and email address and we'll endeavour to get back to you as soon as possible with the answer. (Monday to Friday, 9am to 6pm only)
Questions marked with an asterisk (*) are compulsory.
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