facebook twitter rss vimeo shop label support us

*
banner

The dangers of under-insurance

A quick reminder of the dangers of not having an up to date insurance policy for your band...

Stock
  There are plenty of dangers to be made aware of if you are under-insured...

Our friends at UK Specialist Risks outline the dangers of being under-insured...

Have you ever considered what would happen if your insurance policy fails to cover the entirety of your loss if the worst comes to the worst for your band?

Unfortunately, this scenario is a common occurrence for bands, clubs and organisations across the UK.
It is important that the declared value of your instruments, uniforms, libraries, cases, mutes, stands and all other contents is reflective of the entire replacement cost.

Too often, organisations will declare a lower value with the mindset that it won't all get destroyed at once.

Under-insured

This is one of the leading causes of under-insurance, whereby lower values are intentionally declared with the view of paying a lower premium. However, should a more devastating loss occur, such as a fire or flood, bands can find themselves with financial difficulty as insurers will not pay out for the total claim.

Another cause of under-insurance is where a figure is given when the policy is first incepted, however as time progresses these valuations become outdated or altogether incorrect as new items are purchased, retail prices increase, and circumstances change.

If the band owns the band-room, it is important that you think about rebuild costs when calculating the sum insured for the property.

However, much of this is down to your insurer as well. Many insurers will not contact you to discuss changes that have occurred over the previous year and will simply invite renewal on the same values.

An annual review of your policy is key to ensuring you are at less risk of being under-insured.

An annual review of your policy is key to ensuring you are at less risk of being under-insuredUK Specialist Risks

Contact:

If you are interested in speaking to a Brass Bands insurance specialist to make sure you have the correct cover in place please contact us on 01634 661406 or visit our website https:/­/­ukspecialrisks.co.uk/­brass-bands/

Support us for less than a cup of coffee...

4BR wants to ensure that the brass band movement remains vibrant and relevant. We also want to be able to question, challenge and critically examine those who run and play in it, producing high quality journalism that informs as well as entertains our readers.

So if like us you value a strong, independent perspective on the brass band world - then why not consider becoming a supporter and help make our future and that of a burgeoning brass band movement more secure.

So one less cappuccino then?

Support us    



gENEVA

All that jazz...

November 15 • If you want to learn about all the skills needed to enjoy playing jazz, then why not join Geneva trumpet star Steve Waterman in Stockton on Tees next month — for free!


Lostock

Lostock enjoy 70th anniversary celebrations

November 15 • The 70th anniversary celebrations of Lostock Hall Memorial Band were enjoyed by players, conductors and supporters alike — right back to those who were at their first rehearsal...


Lofthouse

Lofthouse patrons support Macmillan charity

November 15 • A wonderful Patrons Concert by Lofthouse Band and the 'Bard of Brighouse' has helped raise £500 for the Macmillan Cancer charity.


Kerwin

Kerwin invite for send-off in true Simon style

November 15 • Family and friends are being invited to give the late Simon Kerwin a wonderful send off...


Thundersley Brass Band - Quiz Night

Friday 16 November • Richmond Hall, Richmond Avenue, Benfleet, Essex SS75HA


Regent Hall Concerts - Band of the Royal Air Force Regiment

Friday 16 November • Regent Hall. (The Salvation Army). 275 Oxford Street Opp. RESERVED. London W1C 2DJ


Mossley Band - in concert - Last Night of the Proms

Friday 16 November • George Lawton Hall, Mossley OL5 0HR


Contest: Youth Brass in Concert

Saturday 17 November • St Mary's Square, Gateshead Quays NE8 2JR


Foden's Band - Brass in Concert Gala Concert with Matt Ford

Saturday 17 November • Sage Gateshead, St Mary's Square, Gateshead Quays, NE8 2JR


Shipston Town Band

November 15 • We are currently looking for Bb Bass Eb Bass Bb Cornet and kit percussion. We are graded 4th Section in the Midland Area and have a full programme of Concerts and 3 contests a year. Come along for a blow and give us a try. You will be most welcome


The Corsham Band

November 15 • Due to work commitments, a vacancy has arisen for a Tenor Trombone player. First or Second position available. We are a newly promoted Second Section band with a friendly and enthusiastic team.


Cleobury Mortimer Concert Brass

November 14 • Cleobury Mortimer Concert Brass (3rd section) are seeking a Musical Director. We are a friendly, sociable band who have qualified for the National finals 4 times in the last 6 years. We are looking for an inspirational MD that can help move us forward.


Nicholas B. Hudson

FTCL LGSMD (Hons)
Musician | Trombonist | Educator