Q What type of incident is covered?

AThis policy covers loss or damage to personal items including those used in connection with a performance while undertaking your activities as an artist (see definition below) including travelling to and from your place of work.

Artist is defined as:

Any individual person or their personal service limited company where that person is the sole director and employee who:

1. exercises professional skill in the provision of entertainment; or
2. is a face or body painter including the use of glitter and temporary tattoos that can be removed the same day by soap and water; or
3. exercises professional skill in carrying out their duty of stage manager, choreographer, theatre designer or theatre director in the provision of entertainment and corporate events; or
4. is a teacher or voice coach engaged in the teaching of performing arts; or
5. exercises professional skill in modelling; or
6. exercises performance related skill in the provision of role playing, commentary, presentation and voice over to the commercial sector.

Q Is there an excess or deductible?

AYes, the policy excludes the first £10 of a claim and £100 in respect of valuables.

Q Are payments made on incidents occurring outside of the UK?

AYes. The policy covers incidents occurring worldwide provided that you are usually resident in the UK.

Q What are the benefits if I do have a loss insured by this policy?

AThe policy limit is £500 subject to a single article limit of £100. There is no single article limit for musical instruments. Valuables are limited to a maximum of £250.

Q What are the principal exclusions?

ALoss or damage to the following are excluded:

• money;
• contact lenses and spectacles;
• mobile phones;
• any portable electronic equipment unless used directly in connection with a professional performance;
• electrical mechanical breakdown;
• wear and tear, inherent defect, rot, fungus, mould, vermin or any gradually operating cause;
• theft from an unattended vehicle unless the item is out of sight in a locked compartment and entry is gained by forcible means;
• cleaning or maintenance;
• consequential loss;
• terrorism, civil commotion in Northern Ireland, war and nuclear risks;
• any item which is more specifically insured elsewhere.

Q How do I make a claim?

APlease contact First Act Insurance soon as possible and in any event within three months on tel 020 8686 5050 or shirley.rose@hencilla.co.uk. The late notification can lead to claims being repudiated.

A claim form (attached to this page) should be completed and emailed shirley.rose@hencilla.co.uk