Insurance FAQs
93% of our 4000 member groups choose Making Music group insurance, you can count on us to get the support that you need.
Insurannce FAQs
Making Music membership includes access to our exclusive insurance packages, arranged by The National Federation of Music Societies, supported by our preferred insurance broker Finch which can be accessed as part of the membership and is provided by Covea Insurance plc.
Read full details about our polices and view FAQs below
About the different packages
Some but not all sections of the policy include cover for outside of the UK.
Public Liability: All Making Music insurance policies include public liability cover up to £5million; this section of the policy provides cover in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man, any member country of the European Union, Iceland, Liechtenstein, Norway and Switzerland.
Employer’s Liability: All Making Music policies also includes Employer’s liability cover up to £10million; this section of the policy provides UK wide cover for the group’s activities. This includes cover in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.
Property cover: The ‘Silver’ and ‘Gold’ insurance packages include differing levels of group owned property cover. All property is covered in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man, any member country of the European Union, Iceland, Liechtenstein, Norway and Switzerland.
All sections of the policy are governed by the relevant law of the United Kingdom, the Isle of Man or the Channel Islands depending upon your address as shown in the Schedule. If there is any dispute as to which law applies, then UK law will take precedent.
Yes – just contact Finch on 0118 334 8868 (Monday to Friday 9 am to 5 pm) or at makingmusic@finchinsurance.co.uk
You should ask for a 'Custom' quote if:
- Your income exceeds £100,000 a year
- You need cover in excess of the 'Gold' level, e.g. £10M instead of £5M public liability; or a higher level of property or cancellation / abandonment cover
- You need different insurance, e.g., buildings insurance, instruments or equipment cover
Simply call or send an email to Making Music’s insurance broker Finch (Tel: 0118 334 8868) makingmusic@finchinsurance.co.uk who will provide you with a quotation to include the additional cover you need.
The basic answer is that amateur groups do not pay their members anything at all to perform (apart from travel and sustenance expenses) whereas professional groups do. They are eligible for full membership and the lower insurance premiums. Semi-professional groups can of course also join Making Music, but as Associate members; and pay the appropriate Associate member insurance premium. Professional groups can join Making Music as Associate members but must contact Finch direct in order to obtain an insurance quote.
We appreciate that there are some grey areas to this which include:
Scenario 1: a group of amateurs, but which reimburses members' expenses, e.g. for travel and sandwich. Making Music will accept such a group into Full membership and so the group is eligible for insurance at the lower rate (provided that the group meets other Full membership criteria).
Scenario 2: a group of amateurs, but rather than reimbursing on receipts, the group give their members a fixed amount for a gig which roughly corresponds to expenses, e.g. £50. Making Music will accept such a group into Full membership and so the group is eligible for insurance at the lower rate (provided that the group meets other Full membership criteria).
Scenario 3: the musicians in the group have a day job and don't earn their living by carrying out the activities of the group, but members of the group get paid £100 each for each gig/performance. Making Music will only accept such a group into Associate membership and so the group is only eligible for insurance at the higher rate.
See the 'Insurance cover explained'.
About your policy - admin
We are committed to providing our customers with a high standard of service, but things can go wrong in any business. If for any reason we have not met your expectations, please let us know by calling us on 020 7939 6030 or write to The National Federation of Music Societies, 4 London Wall Place, London EC2Y 5AU.
If we are unable to agree a final resolution with you within 3 working days, or if the complaint is in respect of a claim for redress/compensation, your complaint will be re-directed to MMIS who will immediately activate their own complaints process and in the first instance send you an acknowledgement/first response letter.
Should you remain dissatisfied with the way we resolved a complaint, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS). Full details of their service can be found at www.fos.org.uk or you can call them on 0800 023 4567
If you cancel the policy you may be entitled to a refund of the premium provided that no claim has been made during the current period of insurance, in accordance with the table below.
Short Period Cancellation Scale | ||||
Length of period the policy has been in force: | One Month | Two Months | Three Months | Over Four Months |
Amount of premium returned: | 60% | 40% | 20% | 0 |
Call our claims helpline on 0330 8187645 (Monday - Friday 9 until 5) as soon as possible or 0345 300 4006 outside these hours. You must give us any information or help that we may reasonably ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to make a claim can be found in our policy document.
You can find your documents by logging into your account and visiting your Dashboard. If you have purchased custom cover, there may be a 24 hour delay before these are uploaded.
A summary of cover provides the significant benefits, features and limitations of the cover. The full terms, conditions and exclusions of your policy can be found in your policy wording, so please take time to read it in conjunction with the policy schedule and make sure you understand the cover provided.
All insurance enquiries are handled by Finch. You can call them on 0118 334 8868 or email makingmusic@finchinsurance.co.uk
About the insurer
Making Music is a trading name for The National Federation of Music Societies.
The National Federation of Music Societies is an appointed representative of Advisory Insurance Brokers Limited, which is authorised by the Financial Conduct Authority (Financial Conduct Authority number 313250). The National Federation of Music Societies is a registered company in England and Wales, under company number 308632, and its registered office is at 4 London Wall Place, London EC2Y 5AU.
Finch is a trading style of Advisory Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority (reference number 313250). Registered office: 2 Mincing Lane, London, EC3R 7PDE. Registered in England and Wales No: 04043759.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the FSCS website or by calling 0800 678 1100.
The FCA is the independent watchdog that regulates insurance. It requires us to give you this information. Use this information to decide if our services are right for you.
The regulator for the insurance products is the Financial Conduct Authority. You can check this on the FCA’s Register website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.
The National Federation of Music Societies is an appointed representative of Advisory Insurance Brokers Limited, which is authorised by the Financial Conduct Authority (Financial Conduct Authority number 313250). The National Federation of Music Societies is a registered company in England and Wales, under company number 308632, and its registered office is at 4 London Wall Place, London EC2Y 5AU.
The National Federation of Music Societies or Finch will not offer any advice and you will need to make your own decision regarding the suitability of any policy of insurance purchased.
You should review the policy documents carefully to ensure they accurately reflect the cover, conditions, limits and other terms that you require. Particular attention should be paid to policy conditions and warranties as failure to comply with these could invalidate your policy. Claims can arise, under certain types of insurance contract, long after the expiry of the policy. It is therefore important that you retain and keep safely all documents associated with your policy.
In relation to the sale of this policy we have only used a single insurer and in doing so we are not providing you with a personal recommendation based on a fair and personal analysis of the market. Before the insurance contract is concluded we will provide you with sufficient information, including a statement of demands and needs, to enable you to make an informed decision about the policy.
Finch has been appointed as the preferred insurance broker to arrange cover for members of The National Federation of Music Societies.
Finch is a trading style of Advisory Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority (reference number 313250). Registered office: 2 Mincing Lane, London, EC3R 7PDE. Registered in England and Wales No: 04043759.
This Insurance is provided by Covea Insurance plc. Covea Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration Number 202277. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales Number 613259.
You can check the regulatory status on the Financial Services Register by visiting the Financial Conduct Authority’s website: www.fca.org.uk/register.
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