Musical Instrument Insurance
Compare musical instrument insurance quotes from Quotezone’s directory listing of dedicated providers. Musical instrument insurance policies from UK specialists. In order to help you with your decision, we have listed a number of partners below who specialise in insurance for instruments such as violins, flutes and other music gear.
Monthly insurance from multi award-winning insurtech, Arma Karma – covering you inside, outside and Read Moreabroad against damage, theft & loss. Our flexible subscription gives you total control, with zero cancellation and hidden fees, as well as discounts for a multi-item policy. Rated excellent on TrustPilot, Arma Karma also donate 25% of revenue to the charity of your choice. Use Discount Code ‘QuoteZone15’ for a 15% discount off your monthly premium.
Get two months’ cover for free with Lark Music
Special Offer: Worldwide Musical instrument insurance from £32 a year*
Music is made by people –Read More but it’s your musical instrument that makes it possible. We can help you find the right music instrument insurance, whatever you play or own, so you can carry on making music in complete harmony.
• Core risks covered • Three cover levels available • When we pay claims, we do it quickly • Personal service & rapid response • Your choice of repairer • We pay the difference if your instrument becomes less valuable after a claim
Specialist music insurance for all musicians
MusicGuard has provided specialist musical instrument insurance to amateur and professional musicianRead Mores for over 20 years.
Cover in the UK & 30 days worldwide, equipment hire up to £2k, in-vehicle cover, public liability up to £1m and a 0% monthly payment option. We also offer optional extended global travel, public liability and mechanical breakdown for faulty kit – delivering a personal service to every musician we help protect
Insure4Music Musical Instrument Insurance
Insure4Music provides equipment cover for instruments of all shapes and sizes. If your instrument isRead More stolen, lost or damaged we’ll help to repair it where possible and if that can’t be done then we’ll replace it. You’ll be covered if you take your instrument out of the house, plus our policy includes ‘new for old’ which means we’ll replace your lost, stolen or damaged instrument with a new one if it is less than 3 years old and was purchased new.
Musical Instrument Insurance from Assetsure
Assetsure provide insurance for all types of Musical Instrument both Acoustic and Electric. CoverRead More is provided against physical loss or physical damage including theft up to the amount insured anywhere in the world during the period of insurance. You can quote and buy online with monthly instalments available. Policies are emailed immediately with cover underwritten at Lloyd’s of London.
Quotezone is providing you access to specialist Musical Instrument Insurance providers through the above links.
Musical Instrument Insurance Guide
Whether a person is a professional musician or not, musical instruments often represent a serious financial commitment. Musical instruments and music equipment could be expensive to replace, so it usually makes sense to protect these items with insurance.
Does Standard Home Insurance Cover Musical Instruments?
In some cases, a musical equipment might be covered by standard home insurance. For a relatively inexpensive item that someone plays for personal enjoyment and only use at home, the standard insurance might provide all the protection needed.
However, if someone owns high-value musical instruments they might not be adequately covered. In addition if the instruments are used professionally, or someone regularly takes them out of their home, then they may not have enough insurance coverage.
If a musical instrument is worth more than the single-item claim limit on a standard home insurance, or if someone uses their instrument professionally, it may be a good idea to consider specialist musical equipment insurance.
What Items could Music Equipment Insurance Cover?
Musical instrument and equipment insurance could cover a comprehensive range of items, including but not usually limited to instruments of all kinds:
Traditional and unique musical instruments, including acoustic and electric guitars, pianos, string and woodwind instruments, and drums and other percussion instruments. Music studio and DJ equipment such as mixing desks, laptop computers, turntables, and music collections on compact disc and vinyl. Stage equipment such as PA systems and components, including speakers, lighting equipment, microphones, and associated items such as smoke machines. Accessories such as instrument cases, amplifiers, drum sticks, bows for violins and similar instruments, and guitar pedals.
What Kinds of Loss does Musical Equipment Insurance Cover?
Most musical instrument and band equipment insurance covers the following items. Accidental damage, loss, and theft insurance covers the cost of repair or replacement of insured items if they’re damaged, lost, or stolen. This is typically a standard inclusion for music gear insurance and is covered in all policies of this kind. Theft from a non-attended vehicle is not always a standard inclusion for musical equipment insurance. If someone wants this kind of protection, make sure to find out if it’s included or if it could be necessary to buy extra coverage. Public liability cover usually applies if the policyholder injures someone or damages someone else’s property while performing or teaching. It’s a useful kind of cover for music teachers and musical performers, but if someone is a non-professional musician they may decide they don’t need this kind of insurance. Personal accident insurance applies if they have an accident while they are performing or teaching music. This part of the policy could pay out for injuries such as loss of sight or hearing, injuries that could cause disability, or other serious injuries such as loss of a limb. Some may also pay out in the event of death. Worldwide cover is included in some policies and provides temporary global coverage for people who travel abroad with their musical equipment.
Many musical equipment insurance providers offer policies that are customisable for specific needs. For instance, if someone is a professional musician who regularly travels abroad for related purposes they may decide on a policy that includes public liability, personal accident, and worldwide cover in addition to the standard accidental damage, loss, and theft insurance. On the other hand, if someone plays an instrument as a hobby but does’t perform or teach, they may only want to pay for accidental damage, loss, and theft insurance. This could allow someone to buy cheap musical instrument insurance that provides the kind of coverage needed, without having to pay extra for coverage that doesn’t apply to them.
How Much Musical Insurance is Needed?
There are usually two things to consider when deciding how much insurance someone needs for musical equipment. First, the value of the equipment could determine how much damage, loss, and theft insurance is needed. Second, if someone needs public liability or personal accident insurance, the level of coverage they need may be determined by what kind of music is performed or taught, and where or how often this is done.
Note that if someone has multiple instruments to insure, two different claim limits could typically apply. For instance, if someone needs violin, guitar, and flute insurance, each item they insure they could have a maximum cover amount, and there may also be a maximum cover amount for the entire collection.
How to Compare Music Equipment Insurance
To choose the best musical instrument insurance for a person’s needs, it could be good to think about the kinds of coverage needed and look for policies that may provide it. Then it may be necessary to compare the basic policy inclusions, such as accidental damage, loss, and theft; public liability; and personal accident insurance. Also, if someone is looking at worldwide cover for travelling abroad, they may want to make sure to check specifically what kinds of coverage the global portion of the insurance includes, and for how long.
They may also need to look at the excess on the policies they’re comparing. The excess on a policy is usually the amount paid on a claim before the insurance kicks in. It could be anywhere from £100 to £1,000 or more depending on the policy and the value of the item being insured. Generally, the higher the excess the lower the premiums, and vice versa.
Some policies waive the excess on claims for damage, loss, or theft of instruments, which could be useful if somone only needs insurance for this specific reason, and don’t need public liability or personal accident coverage.