Why Get Musical Instruments Insurance?

less than 1 min read
25th October 2022

Why Get Musical Instruments Insurance?

Musicians who use their instruments for either work or just for pleasure; in the case the musical instrument(s) were to be stolen, lost or damaged, an insurance for musical instruments is vital, as the instruments can be very expensive to replace.

Cover4insurance have been a trusted provider of specialist insurance policies for over 20 years. With our musical instruments cover you can select cover to suit your needs up to a total value of £3,000 for your musical instruments, to insure them against accidental damage anywhere in the UK.

Our student musical instrument cover is designed to cover all your musical instrument(s), such as:

Instrument Types

Guitars.
Electric guitars.
Drums.
Keyboards.
Orchestral instruments.

Musical Instruments Cover

Cover up to £3,000.
New for Old cover.
Low £25 claim excess.
The costs, up to £100, of hiring a temporary replacement musical instrument
Instant cover available – no waiting period.

Some Frequently Asked Questions About Musical Instruments Insurance:

My musical instrument (guitar, drums, keyboard etc.) was purchased outside of the UK can I still insure it?

Yes, we can insure your musical instrument– but if the item needs to be replaced it will be replaced with a UK model /version to the closest specification.

What does musical insurance cover?

Musical instrument is intended to pay out when your instrument is accidentally damage or stolen. Not to be confused with a product warranty insurance – this insurance will not cover you for breakdown of the instrument due to mechanical failure, electronic faults or problems with instruments construction.

Does this cover the computer equipment associated with my musical instruments?

No, if for example you have mixing deck software on your laptop that you use with your keyboard you would need to cover the laptop separately. Our student product(s) policy will allow you to add computer equipment to your musical instrument policy.

My instrument is over 12 months old can this be covered?

Yes, there is no age limit on our policy. Please note that items are replaced on a new for old basis so if a claim does happen it will be replaced like for like with a similar item which is determined by your current item's specification.

What is accidental damage to musical instruments?

If you drop your guitar or spill a drink on your keyboard these incidents count as accidental damage.

Does the policy cover my musical instruments outside of the property?

Yes, you are automatically covered for your musical instruments anywhere within the United Kingdom.

Does the policy cover my musical instruments outside UK? Will you cover my musical instruments when I am overseas?

Under this product we cannot cover your musical instruments outside of the UK.

Can I insure more than one instrument?

Yes, you will just need to insure up to the total cost of the multiple items i.e., bass guitar £500 + electric guitar £500 means you should select £1,000 for musical instruments cover.

Will I be covered if I drop and break my instrument?

Yes, we cover the instrument for accidental damage. Meaning we will repair or replace it for you.

Will my home insurance cover musical instruments?

It may, but some contents insurance policies exclude instruments. If they are included, it is a good idea to check the limit as it may not be high enough. Our standalone policy can cover the instrument up to £3,000.

Do you need musical instrument insurance?

Musical instruments are expensive to replace, so it pays to have a good insurance policy to protect them, but it is not compulsory.

How much cover do I need?

You need to select cover up to the amount it would cost you to replace all your instruments as new.

What does it protect me against?

Accidental damage, loss and theft: This covers your instruments if they are damaged, lost or stolen.

What can you get cover for?

Our musical instrument insurance can cover all types of musical instruments up to £3,000 in total such as traditional instruments (acoustic and electric guitars, drums, strings and pianos) and their accessories (cases, pedals, adaptors, drumsticks and bows), if they are damaged or stolen at the same time.

We will also cover the cost up to £100 of hiring temporary replacement musical instruments whilst your insured instrument is undergoing repair or awaiting a replacement.

Student Insurance

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