Musical Instrument Insurance | Guitar insurance | Endsleigh
recommended by NUS

The only insurance provider recommended by NUS

ICAS 2019

Voted the 'Best Student Insurance Provider' at the ICAs 2019!

What does musical instrument insurance cover?

From woodwind cover to guitar insurance, we provide flexible cover for musical instruments that includes:

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Hiring a replacement instrument

Need a temporary instrument? Get up to £150 for interim replacement hire while yours is being fixed.

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Accidental damage and loss

Protection against accidental damage and loss up to the total value specified on your policy documents

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New for Old

If you damage or lose your instrument, we’ll provide a brand new replacement.

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Cover from £0.89 per month*

*Based on a clarinet insured up to £300 anywhere in the UK.

Student contents insurance

Protect your contents in student accommodation against fire, theft and malicious damage with Endsleigh, the UK's No. 1 student insurance provider. Prone to drops and spills? Add optional accidental damage cover to your policy for extra protection in your accommodation.

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FAQs: Musical instrument insurance

Practice makes perfect - but it’s hard to practice your instrument when it’s lost, stolen or damaged. Find out more about musical instrument insurance, and whether you need additional cover away from the home.

What is musical instrument insurance?

It’s no secret that musical instruments can be expensive, depending on the type of instrument you play.

The Messiah Stradivarius violin, for example (probably the most expensive violin in the world), would cost around $20 million to replace. While most people probably aren’t lucky enough to play a Strad, even the lower-end instruments can still be expensive to replace, depending on their rarity.

Musical instrument insurance is designed to cover the cost of repairing or replacing your instrument should it get lost, stolen or damaged, ensuring you’re not left out of pocket in the event of a claim.


Do I need musical instrument insurance? 

If you have a musical instrument that you couldn’t afford to replace, then it’s worth considering whether you need musical instrument insurance to protect your investment.

Equally, if you need your instrument for your university course, then it could prove very inconvenient should you damage it just before a performance. With Endsleigh, you’ll receive up to £150 to hire a replacement instrument while yours is getting repaired or replaced.

Are musical instruments covered by homeowners insurance?

Some homeowners (or home insurance) policies will provide cover for musical instruments whilst they’re in the home, as well as away from the home for limited amounts of time. Check your insurance documents or speak to your provider to find out what’s covered under your home insurance policy.

If you do have cover in place under your policy, consider what excesses are applied to your home insurance in the event of a claim.

For example, if your instrument only costs £300 to replace and the excess on your home insurance is £250, then it may not be worth making a claim once you factor in the potential rise in premium at renewal.

If you’re heading to university, your musical instruments may also be covered under your parents’ home insurance.

What musical instruments are covered?

We can provide cover for:

  • Clarinets
  • Flutes
  • Guitars (electric, acoustic and semi-acoustic)
  • Keyboards
  • Saxophones
  • Violins and more
Are amps and electrical equipment covered?

Yes, we are able to provide cover for musical equipment - such as amps and special effects equipment - under our musical instrument insurance policy. We also provide cover for PA (public address) systems.

Am I covered if I accidentally drop or damage my instrument?

Yes, this policy will provide cover for unexpected loss or physical damage anywhere in the UK. If you’re a keen traveler, you can also choose to protect your instrument anywhere in the EU for up to 90 days, or select worldwide cover.

How much does it cost to insure instruments?

The cost of your musical instrument insurance will depend on a number of factors, including:

  • Your personal details, such as your home address or occupation
  • The type of musical instrument you want to insure
  • The make and model of your musical instrument (if applicable)
  • The value of your instrument (we can cover instruments worth anywhere between £0 and £3,000)
How can I get discount on my musical instrument insurance?

 If you’re a student with a TOTUM card, don’t forget that Endsleigh offers up to 10% discount on your musical instrument insurance!

Find out more about our TOTUM discounts here.

Why Endsleigh?

As the only insurance provider recommended by NUS, we understand that finding affordable musical instrument insurance is a top priority for our customers. That’s why we shape our products and services to meet your evolving needs, protecting your valuable items throughout university and beyond.

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Need to contact us?

Our friendly team are ready to talk to you:

Mon-Fri: 8am to 6pm, Sat: 9am to 5pm

Call us on 0333 234 1557