DJ Guard Insurance?

[kd_entertainments]

Ive been shopping around for public libility insurance and have came across a company called "DJ Guard".

They have given me an excellent quote but it dosnt say anything about Public Liability.

This is what they have said:

Monthly premium: £10.36*
Annual premium: £110.00**
Sum insured: £2,000.00
Voluntary excess: None
Breakdown cover: No
Hire cover: Yes
In-vehicle cover: Yes
Personal liability: £2 million + £10,000 PA
Personal Accident: £10,000

It says personal liability but no public liability?

But on their main page it says we cover public liability up to £2million.


Has any one had experiance with this?


Cheers



Keith

[CRAZY K]

Keith a lot of us are covered with Musicguard and they give a discount to members on here.

This DJ Guard is new I think---previously we used basic Musicguard which was for non specific musical entertainers, sound engineers etc.

The new plan is a bit cheaper---except I dont see how you get your figures--I make it £100 premium.

Go for 5 million Personal Cover which is effectively the same as Public Liability Insurance for self employed people.

These days I think most people on here think thats reasonable.

CRAZY K

[Thames Valley Discos]

just read the small print, in vehicle cover is in my opinion, a waste of time due to the policy wording

[CRAZY K]

just read the small print, in vehicle cover is in my opinion, a waste of time due to the policy wording

OK FOR ROAD ACCIDENTS THOUGH!!!!

CRAZY K

[kd_entertainments]

im going to give them a ring in the morning, becasue im in N.Ireland, I do some work in the Republic of ireland so I need e.u. cover. Also im going to enquire about getting my casino tables covered :P


The quotes seemed too good to be true, thats why i posted it up here.

[dj-matt1989]

im with midlands insurance and they dont offer me much on my policy for this year, its up for renewal in jan so im thinking of transfering to music guard, i didnt know you could get discount being a member of this forum. my current insurer offers £1000000 public liability and £10,000 personal injury. nothing for my equipment.

[DMX Will]

We're covered up to 10 mil, by the Muscians Union. £55 a year for under 21's Matt. As myself and Edwin and a joint company and both registered with them seperatly I suppose you could say we have 20 mill PLI. :D

[Shaun]

im thinking of transfering to music guard, i didnt know you could get discount being a member of this forum.

Hi Matt,

You can get further information on the link below

10% Off (http://www.mobilediscodirectory.co.uk/forums/showthread.php?t=3946)

[groovy-nights]

Originally Posted by Thames Valley Discos
just read the small print, in vehicle cover is in my opinion, a waste of time due to the policy wording

Its is worth it i had my gear nick from the van very please i had in vehicle cover.

[Danno13]

Also, £2000 of equipment seems very low. Have you included all your CDs?

[Thames Valley Discos]

Originally Posted by Thames Valley Discos
just read the small print, in vehicle cover is in my opinion, a waste of time due to the policy wording

Its is worth it i had my gear nick from the van very please i had in vehicle cover.

as i said, read the small print.And in any case, i would never leave gear in the van/trailer .

[Corabar Entertainment]

And in any case, i would never leave gear in the van/trailer .So you've never arrived at a venue and had to go in first to 'report' at reception, find out how things are running and see which door you are coming in through? If the hotel's busy, that can take a bit of time..... !

[dj-matt1989]

just did a quote now for 8 grand worth of equipment and got a quote of 209.00 so not bad for 2,000,000 cover and 10,000 pa

[Thames Valley Discos]

So you've never arrived at a venue and had to go in first to 'report' at reception, find out how things are running and see which door you are coming in through? If the hotel's busy, that can take a bit of time..... !

NO, always leave my friend with it.
Companys such as music guard for instance. State that not only has it got to be in a secure container in the back of a van, but that the rear of van cannont be accessed from the drivers area. That rules out all MPV,s for a start.

[Corabar Entertainment]

NO, always leave my friend with it.Ah, I see.... But many DJs don't have the luxury of a roadie being with them every time they go out, so most have to leave it in the vehicle unattended at some point.

Re access via driver seat, you can easily get the heavy duty dog grill fitted behind the driver seat. These are removable, so you can put in it when you have gear, and take it out when you don't..... problem solved! :D

[Solitaire Events Ltd]

NO, always leave my friend with it.
Companys such as music guard for instance. State that not only has it got to be in a secure container in the back of a van, but that the rear of van cannont be accessed from the drivers area. That rules out all MPV,s for a start.

Not quite true.

When I was with Musicguard, I had in car cover and just had to make sure that things in my 'boot' (I didn't have one) were covered over with a cloth or something similar.

[Thames Valley Discos]

not so if you read their new wording, as i have just renewed with them mysel
"A locked rigid bodied van or mini bus providing the windows have been obscured and providing any items are in a compartment of the vehicle that is not accessible from the drivers area"

Yes if you have a car with a boot, fine. But most of us use vans,mpv,s and trailers