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Does the idea of damaging your instrument make you weak in the knees? Don’t worry, we’ll take care of it with musical instrument cover that includes:
That’s probably less than a hot drink at your favourite coffee house! *For a £300 clarinet, based on a student living on campus.
If you need to squeeze in some practice, we'll provide up to £150 to hire a replacement while yours is being repaired or replaced.
There’s no need to be nervous when taking your instrument out and about – get covered for unexpected theft, loss or physical damage anywhere within the UK.
Cover for your instruments’ accessories if they're lost at the same time as your instrument, such as reeds, picks, plectrums, bows, tuners, stands, pedals, cables and carrying cases.
With an Everywhere Student Pack you can pack up your cover in one easy policy up to £1,000, £1,500 or £2,500 to protect your student items everywhere, both on and off campus!
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.
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.
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.
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.
We can provide cover for:
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.
Even if you were to carry your instrument around with oven-mitts, you can’t always protect them from drops, cracks and scratches. Musical instrument cover with Endsleigh will protect your instrument from unexpected loss and physical damage anywhere in the UK.
The cost of your musical instrument insurance will depend on a number of factors, including:
The ‘replacement cost’ is how much it would cost to replace your belongings should you need to make a claim.
With an Everywhere Student Pack, your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents, as follows:
Here’s an example to show you how it works:
You have a mobile phone worth £450, a laptop worth £300 and a tablet worth £150 – because all of these items are each worth less than £500, they can be covered with a £1,000 Everywhere Student Pack. With this £1,000 Pack, you will be provided with up to £1,000 cover throughout the year for your items, as long as the total cost of your claims isn’t more than £1,000.
What happens when I make a claim?
Say you bought a new laptop that cost £300, and purchased an Everywhere Student Pack that provides £1,000 cover for items with a replacement value of up to £500.
A few months later, you (sadly) drop and damage your laptop. Because the replacement cost on your policy is £500 and your laptop only costs £300 to replace, this will be covered under your Everywhere Student Pack policy. Had your laptop cost more than £500, it wouldn't be covered and you would be unable to make a claim.
Remember: It's always worth checking that your items don't cost more than the replacement cost when taking out our Everywhere Student Packs. If any of your items do cost more than the highest replacement cost (£1,250), you can choose to build your own cover.
What about Endsleigh’s laptop/tablet theft policy?
Our laptop/tablet theft policy provides cover for devices with a replacement cost up to £1,250.
Making a claim with Endsleigh is simple. Just follow this 3 step process: 1. Head to our claims centre and fill in a claims form. 2. Our team will call you to confirm your claim. 3. We’ll approve your claim as soon as possible.