Musical instrument insurance

Insuring your musical instrument can be the sensible thing to do as it will make sure you’re protected against unexpected circumstances should the worst happen. It’s also worth bearing in mind that some instruments can be expensive to replace – so if you couldn’t afford to replace your guitar, piano, cello, DJ equipment etc., then musical instrument insurance could be the best option.

If you’re planning on taking your musical instrument with you to university, you may want to consider insurance so you’re not left out of pocket in the event of accidental damage, theft, vandalism and more – especially when you’re living on a student budget. While you may already have some cover in place under your parent’s household policy, double check where and if your musical instrument is covered whilst you are living away from the family home.

There may be times when your parent’s insurance policy will extend cover to your musical instruments when you are living away from the family home. However, this is not always the case, so it’s important to speak to the home insurance provider to check what’s covered. Even if cover is provided under your home insurance policy, you may find that it isn’t as comprehensive as the cover you could benefit from with a separate specialist musical instrument insurance policy.

As part of musicGuard’s standard music insurance, you’ll receive cover for theft and accidental damage, as well as vandalism, fire and flood damage as standard - whether inside or away from your home. You’ll also get:

• Cover in the UK and 30 worldwide
• Public liability up to £1million
• Up to £2,000 music equipment hire
• Loss of earnings cover
• Interest-free monthly payments
• New for old cover on your musical instruments and equipment
  
  

There is also the option to extend your cover to include:

• £5m public liability
• Global travel
  
  

Terms and conditions apply – find out more.

It can be tempting to go with the cheapest quote, but you may find that certain policies are cheaper because they exclude essential covers you may require.

Before choosing a policy, you may want to compare different insurers to make sure your musical instrument will have the protection it requires.

Making sure music instrument insurance has everything you need, as well as being an affordable price, will help you decide the right policy for you.

From obtaining a musical instrument insurance quote to making a claim, here’s a step-by-step guide to how musical instrument cover works:

Step 1 – Get a quote

Getting an online quote is quick and easy. We partner with musicGuard for music insurance and all you need to do is input a few details about yourself and your musical instrument.

Step 2 – Set up your policy

If you’re happy with the price, you just need to pay for your policy by following the on-screen instructions.

Step 3 – Enjoy your musical instrument

Once your specialist musical instrument insurance policy is set up, you can head out and enjoy making some great music!

Step 4 – Make a claim should you need to

Should the unexpected happen to your musical instrument, you’ll need to get in touch with musicGuard to make a claim. Once you’ve submitted your claim, it’s been accepted and you’ve paid your excess, your musical instrument will either be repaired or replaced.