Handbell Insurance

All owners are recommended to take out their own insurance to cover loss or damage to bells or chimes etc and you should also consider other equipment such as mallets and your music – an expensive resource if you had to replace it because of a fire or flood.

Don’t rely on your house insurance for cover of handbell sets unless you have declared them as part of the property contents to the insurance company. You still may not be covered if the bells are lost/stolen or damaged while they are away from the house. To insure a handbell set against loss or damage you may need to go to a specialist broker or supplier. Beware of relying on normal household insurance as you may not get the cover that you need - see reprint of Reverberations article about Insurance (pdf. at foot of page).

Possible sources (in no particular order) are:

New Moon Insurance - 85 High Street, Tunbridge Wells, Kent TN1 1XP  0845 0728535 email:

Allianz Musical Insurance - Great West House (GW2), Great West Road, Brentford, Middlesex TW8 9DX  0330 100 9903

Access Insurance - Selsdon House, 212-220 Addington Road, South Croydon, Surrey CR2 8LD Phone 0208 651 7420 - email

Making Music - 7-15 Rosebery Avenue, London EC1R 4SP. (phone 0870 903 3780)

musicGuard – Southgate House, Southgate Street, Gloucester, GL1 1UB  0333 004 3888 (previously Balens)

Insure4music - equipment (select percussion); public liability and/or personal accident cover

The Insurance Emporium - Thorpe Underwood Hall, Ouseburn, York YO26 9SS (phone 03300 244 005)

When enquiring please mention HRGB for best rates

Public Liability Insurance

If your team is likely to give public performances, you should also consider taking out your own Public Liability insurance as the HRGB policy does NOT cover performances by HRGB teams other than at an HRGB event. This type of cover is available from insurers such as Allianz or New Moon as an 'add on' to your instrument insurance.and would cover you against being sued if, for example, a member of the audience tripped over a bell box or a pin sheared in a bell, allowing a clapper to hit someone (yes, it has happened!).