You can get cover for your musical instruments, such as:
You won’t be covered for breakages of equipment such as strings, reeds or drumheads.
You’ll be able to claim for an insured instrument in the case of:
If your instrument is accidentally dropped or broken, you’ll be covered for the replacement or repair costs.
You’ll be covered for theft if there has been visible force or violence used to enter or leave the premises the equipment was stolen from or if your musical instrument was left unattended in the open, as long as it was being used to participate in a musical event.
If you’ve had to leave your musical instrument in a vehicle and returned to find your instrument has been stolen, you’ll be covered provided they weren’t left for longer than 12 hours.
The cost of hiring replacement equipment will be covered up to a certain limit if yours is damaged or broken.
If you’re travelling and taking your musical instrument with you, you’ll be covered for all the above abroad too.
You need to make sure the value of your musical instrument insurance is enough to cover your instrument if it needed to be replaced as new (VAT included).
For example, if you have an acoustic guitar which would cost £5,000 to buy brand new, then you’d need to insure yours for this amount.
Make sure you consider the cost of replacing any accessories that your guitar comes with, such as a speaker or stand, and provide a value for replacing those too.
There are a few things you need to tell us when comparing musical instrument insurance:
The type, make, value
And their value
Name, address, date of birth
You can choose to pay monthly or annually