I wondered what people out there who were private music teachers did for insurance cover, both for teaching in the home and when you go out to schools etc as a self-employed teacher.

Many thanks.

You might like to try CIS - Cooperative Insurance. If you give them a ring they will probably be helpful.

I think a lot of us are covered by ISM/MU membership.

David

That is true of public liability insurances. To ensure your home and contents - many home insurance policies are invalidated by the fact that you invite your customers into your home as a place of work - try Hencilla Carnworth.

Just had a very reasonable quote from the CIS - Home Tutoring is included as standard (along with child-minding and home working)

Thanks, Hotair, it's helpful to know that. When I last changed insurance company for contents, I could only find one that would actually cover me, and then they set the condition that no more than 60 people visited the house per month. They also said that they couldn't cover the piano for theft, but I wasn't too worried about that. Theft isn't that much of a problem here, and it's not so easy to steal a piano.

Nice thought!

(chuckles at thought of 'Burglar Bill'-type character trying to make off with piano into the night on remote Scottish island......)

You may jest, but I have a friend who was scammed by a mother and her young son. They came for lessons, were apparently decent people and built a strong rapport over the weeks. All the time, the pair of them were casing the place and plotting their theft.

My friend lost a number of small but valuable items, a few of them very sentimental to her as well, but by the time she realised they were missing, the culprits were long gone. Their 'professional' job done, they never returned for lessons of course and their contact number no longer existed.

Hi, I went into my bank, Lloyds TSB and they put me in touch with a broker working with AXA insurance who have insured me for exactly my requirements (home and school teaching) for a third of the cost of ISM. They were very good and tailored the insurance to exactly my needs.

What a dreadful story! How can people involve their children in something like that? I only hope the child didn't realise quite what was going on.

How sad for your friend - it must have put her off ever again trusting anyone coming for lessons. There surely can't be many people who would do this?