2 min read
9th November 2018

Do I need musical instrument insurance?

Photo by NoName_13 from Pixabay

When it comes to music, we know there’s not much that will stand in the way of you playing. Whether you play your instrument at home or as part of a band or even teach music we know how important music is to you.

So don’t forget to protect your musical instrument and your love for it with a policy from Cover4Insurance.

Some of the reason you will need musical instrument cover are:

1) Theft when you’re out and about

The biggest concerns that musicians tell us about is the risk of theft of their instrument when they leave the home to perform or practice.

This risk is increased if you’re storing it overnight at venue. Thieves are savvy creatures and they know how much you’ve spent on your kit. Also, most instruments can’t be traced back to their owners so they’re easy to sell.

Find out more about Musical Instrument Insurance

2) Many household policies now exclude musical instruments

Many household policies now exclude musical instruments. This means that you will have to specifically request that your instrument is added to your policy.

This may significantly increase your premium and it may be more cost effective to take out our standalone music instrument policy.

If you cover your instrument under your general household insurance, you should also consider:

  • If you make a claim for your musical instrument, you could also lose your no claims bonus on your home insurance
  • Will your musical instrument be covered when you take it out of your home? We would advise you to check the terms and conditions of your home insurance policy as it may just cover in the home when cover is extended.

Find out more about Musical Instrument Insurance

3) Accidental damage to your music equipment

We all like to think that we take care of our instruments and equipment, but accidents do happen.

For example, if you drop and damage your saxophone then it can be costly to replace or fix it.

With our policies the cost is covered for repair or replacement. When replacement is needed, we’ll replace on a new for old basis no matter what the age of the instrument is.

Find out more about Musical Instrument Insurance

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