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Backstage Insurance

All standard members (see definition on the members benefits page) are insured for the Equity Backstage cover.

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Questions and Answers

Q What type of incident is covered?

AThis policy covers loss or damage to personal effects while performing or rehearsing at any theatre, film studio, etc, including commuting to and from the above.

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. Please note that late notification can lead to claims being repudiated.