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is where a figure is given when the policy is first incepted, however as time progresses these valuations become outdated or altogether incorrect as new items are purchased, retail prices increase, and circumstances change.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



Coffee

4BR support continues to grow

November 13 • The 4BR 'Support Us' scheme continues to grow — and all for the cost of a cup of coffee


Sage

Brass in Concert filling up to the brim

November 13 • The attraction of 11 world class bands has ensured that demand for seats at Brass in Concert is closing in on the sold out limits — so why not make a weekend of it at Sage Gateshead and make sure you don't miss out on the musical fun.


Fountain City

Fountain City to make youth impact on UK tour

November 13 • North American champion Fountain City will be inspiring British youngsters on their visit to the UK.


Change

Shirebrook announces changes for 2019

November 13 • The popular Shirebrook Open Entertainment Contest has announced some important changes to its 2019 event.


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


Strata Brass

November 13 • PRINCIPAL EUPHONIUM & CORNET (assistant principal or repiano). Rehearsals MON/WED,bandroom 5 mins from J35/36 M1 (Hoyland). MD Jonathan Bates. Good bandroom atmosphere,sensible concert/contest schedule.


Cheshire Constabulary Band

November 13 • The band are seeking cornet players (Front & back rank) and side drummers for our smart successful Corps of drums. The band rehearses just once weekly on Mondays. Varied and interesting engagements in both UK and abroad.


Ashton under Lyne Band

November 13 • Percussionist


David Frame


Bass/Tenor Trombone Player, Adjudicator (Member of AoBBA) Occasional Conductor