Duck for Cover - Performing Equipment Cover

What does the Policy Cover?

A Financial Members performing equipment against Physical loss or damage caused by an insured peril (including storm, theft, fire, accidental damage, impact) that occurs:
- while in transit, or
- while in storage (including at home), or
- while in use.

What is deemed Insured Performing Equipment?

Principally, Performing Equipment, including electronic items, musical instruments, costumes, props and set pieces owned by the member, or for which the member is responsible to insure, and limited to those items used specifically in the performance.

Who is the Insurer?

The insurer of this product is Catlin Australia Pty Ltd (ABN: 64 108 319 786, AFS License No: 301617) under a binding authority given to it by XL Insurance Company SE (ABN: 36 083 570 441)

Who is Insured?

The Performing Equipment policy is offered as an optional policy to all Duck Individual Members.

What is the Sum Insured?

Members select from a choice of policy limits, that will apply to any one claim or occurrence: $5,000, $10,000, $20,000 , $30,000 or $50,000

Maximum limit any one item, pair, set or collection: 

Sum Insured $5,000 or $10,000	Item Limit $5,000
Sum Insured $20,000, $30,000 or $50,000	Item Limit $10,000

What is the Basis of Settlement?

Replacement new for old for items purchased new that are up to 5 years old, then reinstatement value (similar age, make, model) for all other items.

What is the Policy Excess?

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
- Photographic Equipment: AUD 500 each and every claim
- All other claims AUD 250 each and every claim

What are the Territorial Limits?

Cover is provided World Wide, subject to the policy limitations.

What Special Conditions apply to this policy?

Static Risk Inclusion

Effective from 12 October 2026, the Duck Member Performing Equipment policy has been modified to allow the inclusion of cover for static equipment that is rarely taken away from its usual storage location (including home).

What is Excluded by the policy?

The below provides a summary of the key exclusions or policy limitations. Please refer to the policy wording for full details of all relevant exclusions

Warranty Exclusion	any kind of mechanical, electrical and/or electronic breakdown of or malfunction of, the Goods where there is no external evidence of damage from a peril insured under this Policy;
Cover in Use	Cover for goods while in use is excluded for the following activities: Fire acts and any act that uses a naked flame Roller Skating/Skateboarding Plate Spinning Juggling / Staff / Diabolo / Poi
Flood	Cover is not provided for any loss or damage caused by actions of the sea or tidal waves.
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.
On-Hired, Leased out or Loaned items	Cover is not provided for any goods You loan, lease to, or hire out to any other party.
Rust, Oxidisation, Discolouration and/or Gradual Deterioration	Cover is not provided for any loss or damage caused by, arising out of, or in any way attributable to rust, oxidisation, discolouration or any other form of gradual deterioration or diminishment in the quality or condition of the insured item over time.
Terrorism	This excludes any loss, damage, cost, or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any act of terrorism.
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.

For further detail on this please refer to the Policy Wording located in The Official Bits.

Performing Equipment Cover

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