Performing Equipment Cover

For an additional cost, you can insure your Performing Equipment against loss or damage.

This policy is optional and is exclusive to Duck for Cover Members.

For full details of the Performing Equipment policy please refer to the Policy Wording and Schedule located in The Official Bits.

Summary of Benefits

• The policy covers you for loss or damage that occurs to your performing equipment while in transit, or while in storage for up to 60 days (including at home).
• The policy includes cover for loss or damage to your performing equipment while in use.
• Cover is provided World Wide, subject to the policy limitations.
• You can select from a choice of policy limits, that will apply to any one claim or occurrence: $5,000, $10,000 or $20,000
• Maximum limit any one item, pair, set or collection: AUD 5,000.
• The excess payable in the event of a claim will be
  • Claims occurring outside of Australia: AUD 500 each and every claim
  • Personal Electronic Devices: AUD 500 each and every claim
  • All other claims AUD 250 each and every claim

Please Note:
The Duck For Cover Members Performing Equipment Insurance policy will cover a Duck members mobile Performing Equipment that regularly leaves the members home or other storage location for the purpose of performance or rehearsal or teaching
A "storage" extension is provided up to 60 consecutive days to cover this insured Performing Equipment while stored. This assumes that a member will take their insured "Performing Equipment"  away from the storage location (including home) for a performance / rehearsal / teaching during this time.
An "in use" extension is provided for the insured "Performing Equipment" that is damaged or stolen while in use.
The Duck Performing Equipment policy is not intended to cover equipment that is used solely in a Home Studio, Home rehearsals or for Home Teaching. This equipment would need to be insured under a different insurance policy not offered through Duck Members Insurance program (Home Contents / Business Package Insurance).

Key limitations/exclusions

Summary

Cover in Use	Cover for goods while in use is excluded for the following activities: - Fire acts and any act that uses fire Any act with a naked flame - Roller Skating/Skateboarding - Plate Spinning - Juggling / Staff / Diabolo / Poi
Loss of Data	Cover is not provided for the loss of any data of any description, or from any device – including if the device itself was damaged.
Storage Limitation	Cover for Storage is limited to a maximum of 60 consecutive days, and only in the course of transit, or immediately following delivery. The policy does not provide cover for your equipment in storage at any other time. Insured Performing Equipment used at home is still deemed to be in storage for the purpose of the storage limit of 60 consecutive days.
Communicable Disease	This excludes any loss or damage caused by, or is in any way connected with a Communicable Disease such as COVID-19.
Cyber	This excludes any loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer, computer system, computer system programme, malicious code, computer virus, computer process or any other electronic system.
Sanctions	This excludes any cover or any liability to pay any claim or provide any benefit to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, the European Union, United Kingdom or United States of America