Protect the Instrument. Protect Your Peace of Mind.

It is a service contract that may reimburse authorized parts and labor costs when the covered instrument experiences an eligible failure. Depending on the circumstances, the plan administrator may instead replace the instrument or reimburse the cost of a comparable replacement, subject to the plan’s Limit of Liability.

No. The Terms and Conditions state that the plan is not a contract of insurance. However, the plan administrator’s obligations are intended to be backed by an insurance policy identified in the completed plan documents.

Your Declarations Page identifies information such as:

• The plan holder
• The covered instrument and serial number
• The purchase, effective, and expiration dates
• The plan price
• Any applicable service fee
• Optional coverage
• The plan’s Limit of Liability
• The selling entity, administrator, and obligor

The plan applies only to the specific instrument listed on the Declarations Page. It does not automatically cover other instruments owned by the family, student, school, or program.

The instrument must be enrolled within 14 days after it comes into the plan holder’s possession.

Coverage begins on the Effective Date and ends on the Expiration Date shown on the Declarations Page.

There may be a service fee for each claim. The amount, or an indication that no service fee applies, should appear on the Declarations Page.

The plan provides for reimbursement of authorized parts and labor costs associated with a covered failure of the instrument listed on the Declarations Page, up to the plan’s Limit of Liability.

The plan defines accidental damage as unintentional damage that occurs during normal use of the covered instrument. Accidental Damage from Handling coverage applies to sudden and unforeseen damage occurring during regular use, subject to the exclusions in the plan.

The Terms and Conditions exclude damage arising from use of the instrument other than in connection with school-sponsored educational activities.

No. Accidental Damage from Handling coverage does not include ordinary wear and tear. Routine maintenance, appearance-related wear, scratches, finish wear, lacquer or plating loss, discoloration, and surface damage are also excluded.

These items are generally treated as expendable or consumer-replaceable components and are not covered as routine replacement items. They may be included only to the limited extent necessary to correct an otherwise covered failure.

No. Cleaning, tuning, regulation, adjustments, preventative maintenance, scheduled servicing, and routine replacement of pads, corks, felts, and similar components are not covered.

No. Damage that affects only the appearance of the instrument, rather than its function, is not covered. Examples include scratches, discoloration, finish wear, plating loss, and other surface damage.

No. Theft, mysterious disappearance, and misplacement are excluded.

No. Damage resulting from misuse, abuse, negligence, vandalism, reckless conduct, or intentional or malicious damage is excluded.

Yes, when protective items such as a case, cover, or pouch were provided or made available, the plan expects them to be used consistently. Intentionally failing to use available protective items may be considered abuse and may result in the claim being denied.

The plan generally excludes moisture and water damage. However, the exclusion contains a limited exception for unintentional water exposure when the product was protected. Because the wording is narrow, customers should contact the administrator before assuming that a water-related incident is covered.

Damage caused by conditions such as fire, flood, smoke, sand, dirt, storms, wind, hail, earthquakes, and other environmental events is generally excluded.

No. Cases, gig bags, carts, and other carrying containers are excluded, except when such an item is included as part of an authorized instrument replacement.

No. Loaner products are not covered by the plan.

The plan excludes vintage products, products with sentimental value, and products of exceptional or unusual value.

An instrument with a removed or altered serial number is not covered.

The plan does not cover costs that can be recovered through another warranty, guarantee, manufacturer program, extended warranty, or insurance policy.

Step 1: Report the incident promptly

Claims must be reported to the plan administrator within 45 days of the event that caused the damage or failure. The failure must also be reported during the active term of the plan.

Step 2: Contact the administrator before authorizing repairs

Contact the plan administrator for approval before taking the instrument to be repaired or agreeing to any repair work.

The draft Terms and Conditions list:

• Email: support@cuttime.com
• Telephone: To be confirmed in the final plan documents

The administrator is available 24 hours a day, seven days a week according to the current draft. Unauthorized repairs will not be paid.

Step 3: Have your plan information ready

For faster service, have your Declarations Page available. Be prepared to provide:

• Plan holder information
• Plan number
• Instrument type
• Instrument serial number
• Effective and expiration dates
• A description of what happened
• The date the incident occurred
• Information about the instrument’s current condition

The administrator may request photographs or arrange a third-party inspection at its expense.

Step 4: Wait for authorization

The administrator will determine whether the claim is eligible and provide an authorized repair amount. Do not proceed with repairs until authorization has been received.

Step 5: Contact the administrator if the repair estimate is higher

When the repair estimate exceeds the authorized amount, contact the administrator before proceeding. The administrator may:

1. Reimburse the approved repair amount, up to the Limit of Liability;
2. Reimburse the cost of a comparable replacement, up to the Limit of Liability; or
3. Provide a replacement instrument with equal or similar features and functionality.

Step 6: Submit the paid repair invoice

A paid invoice from the service center that completed the repair will be required before reimbursement is issued.

Under the Terms and Conditions:

• The instrument must have been in good, safe, and proper working condition when coverage began.
• The damage or failure must have occurred after the Effective Date.
• The repair must not be covered by another warranty, manufacturer, distributor, extended warranty, or homeowners insurance policy.
• The failure must be reported during the plan term.
• Any applicable service fee must be paid.
• The plan must be paid in full when service is requested.

No. A condition that existed, or was known to the plan holder, before the plan was issued is not covered.

No. You must receive authorization from the administrator before repairs are performed. Unauthorized repairs are not covered.

Yes. The administrator may request images, an inspection, or information about the cause, nature, and timing of the damage or failure before approving the claim.

When the plan expires during an approved repair or replacement process, coverage is extended until that approved repair or replacement is completed.

Not necessarily. The administrator may choose to:

• Authorize and reimburse a repair;
• Reimburse the cost of a comparable replacement; or
• Provide a comparable replacement.

The replacement does not have to be the same brand or color, but it should have similar features and functionality.

Not necessarily. The plan permits the use of non-original parts of like kind and quality.

Yes. The Limit of Liability appears on the Declarations Page. Once all authorized repair reimbursements reach that limit, or the instrument has been replaced twice during the plan term, the plan’s obligations are considered fulfilled.

No. The plan excludes loss of use, delays in service, consequential damages, and losses incurred while an instrument is awaiting repair or parts.

Yes. When the instrument is owned by a school or another party and is leased, rented, or otherwise provided to the plan holder, the instrument owner may act on the plan holder’s behalf.

The owner may:

• Submit the claim
• Communicate with the administrator
• Coordinate the repair
• Receive reimbursement
• Accept a replacement instrument

A payment, repair, or replacement provided to the owner is treated as having been provided to the plan holder.

The instrument owner may receive the reimbursement or replacement when acting on the plan holder’s behalf. The plan administrator is not responsible for disputes between the plan holder and instrument owner regarding repairs, claim payments, or replacement instruments.

Yes. A cancellation request made within 30 days of the plan’s Purchase Date qualifies for a full refund of the plan price.

After 30 days, the refund is calculated on a pro-rata basis and may be reduced by:

• Previously paid repair reimbursements; and
• An administrative fee of no more than $25 or 10% of the plan price, whichever is less, unless state law requires otherwise.

Any refund may first be applied to an outstanding account balance.

The provider may cancel the plan only for fraud, material misrepresentation, or nonpayment. Written notice must generally be provided at least 15 days before cancellation.

A renewal may be offered at the provider’s discretion. Renewal availability, price, and term may vary based on the instrument’s age and condition and the service costs in effect at that time.

No. The plan is not transferable to another owner or another instrument.

Service or replacement outside the United States or Canada is generally excluded, except in connection with temporary travel.