Music Insurance That Hits The Right Notes
It doesn't matter if you are amateur or professional playing electric or bass guitar in a band, fingerpicking folk songs on an acoustic guitar, meandering through melodies on violin, sculpting soundscapes in a studio or filling a dance floor with your slickest DJ set - accidents and thefts are a reality. So if you don't want to let your musical instrument catastrophe become a country song tale of loss or woe, then insuring your musical equipment could be the smart thing to do.
Tweakable Musical Insurance - Make it Your Own Composition
Our musical instrument policies all start with a set group of Standard Benefits, which have been designed to cover you for typical everyday circumstances. Your initial premium will be based on the value of your instrument(s), musical equipment and accessories. Next you can tweak your policy with Optional Benefits. These allow you to extend some Standard Benefits and add others should you require them.
What Standard Benefits are Included
Our music kit insurance policy offers the following Standard Benefits:
- Theft, Loss or Accidental Damage
- Unattended Vehicle
- New for Old (Standard)
- Worldwide Cover (Standard)
- Sheet Music / CD or Record Collection
- Damaged Locks
- Replacement Hire
- Data Recovery
- Public Liability (Standard)
- Personal Accident
What Additional Optional Benefits Can I Add?
Whether you want to create a more comprehensive policy or require a budget friendly policy, our range of Optional Benefits has been designed to help you create musical insurance that is attuned to your situation.
You can personalise your music kit insurance policy with the following Optional Benefits:
- Transport for Repair
- Gadgets and Mobile Phones
- New for Old (For Life)
- Family Members
- Worldwide Cover (Enhanced)
- Public Liability (Enhanced)
For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your musical instrument and equipment with The Insurance Emporium.
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Our Range of Cover
Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.
- Theft, Loss, or Accidental Damage i
- Unattended Vehicle i
- New for Old (Standard) i
- Worldwide Cover (Standard) i
- Sheet Music / CD or Record Collection i
- Damaged Locks i
- Replacement Hire i
- Data Recovery i
- Public Liability (Standard) i
- Personal Accident i
- £50,000
- 4 years
- 100 days per year
- £500 (Sheet Music) £500 (CD or Record Collection)
- £500
- £700 / week (Up to 4 weeks)
- £600
- £2 million
- £17,500
- Transport for Repair i
- Gadget and Mobile Phones i
- New for Old (For Life) i
- Family Members i
- Worldwide cover (Enhanced) i
- Public Liability (Enhanced) i
- £2000 (pianos) and £500 (all other music kit)
- £500
- 3 family members
- 200 days per year
- £5 million
Theft, loss, or accidental damage of the music kit.
Lost or accidentally damaged musical equipment or musical instrument.
Cost of replacing the music kit with new if it is stolen, lost, or accidentally damaged.
Theft, loss, or accidental damage of the music kit from an unattended vehicle.
Theft, loss, or accidental damage of the music kit outside of the United Kingdom, Channel Islands, or Isle of Man.
Theft, loss, or accidental damage of sheet music or a CD or record collection including from an unattended vehicle.
Repair fees to damaged doors or windows following theft, loss, or accidental damage of the music kit.
Hire fees for replacement music kit whilst yours is being replaced or repaired.
Data recovery specialist's fees where data relating to the music kit is corrupted.
Your legal liability to others for compensation and costs arising out of your use of the music kit.
Death, total permanent disablement, loss of hearing, sight, or limbs as a result of bodily injury sustained whilst using the music kit.
Lost, stolen, accidentally damaged, or damaged by liquid, gadget and/or mobile phone, and accessories.
Loss, theft or accidental damage of your record/CD collection.
Cost of replacing the music kit with new if it is stolen, lost, or accidentally damaged.
Cover is extended for up to 3 family members.
Enhanced worldwide cover.
Enhanced public liability cover.
Postage or courier transportation fees to transport the music kit to a repairer.
Theft of your musical equipment or musical instrument.
Lost or accidentally damaged musical equipment or musical instrument.
Cost of replacing musical equipment or musical instrument with new if stolen, lost or accidentally damaged.
Theft, loss or accidental damage of your musical equipment or musical instrument from an unattended vehicle.
Theft, loss or accidental damage outside of the United Kingdom, Channel Islands and Isle of Man.
Hire of replacement equipment whilst yours is being repaired or replaced.
Payment for a data recovery specialist when data relating solely to your musical equipment or musical instrument is corrupted.
Your legal liability to others for compensation and costs arising out of your use of your musical equipment or musical instrument.
Accidental bodily injury sustained whilst using your musical equipment or musical instrument and within 12 months is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.
Why Insure Your Music Kit With Us?
Read The Not Small Print
We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!
The 25% Introductory Discount is available from the start of the policy until its first review/renewal date.
This is based on Music Kit insured up for £100 with no Optional Benefits selected.
The premium can be paid in single annual payments or by 12 monthly instalments.
What does music insurance excess mean?
An excess is the part you pay towards a claim.
How does music insurance excess work?
With our music insurance policies, there are only two Standard Benefits where you need to pay an excess:
- Theft, Loss, or Accidental Damage
- Public Liability
There is no additional excess payable for claims under the following Standard Benefits:
- Unattended Vehicle
- New for Old (Standard)
- Worldwide Cover (Standard)
For example, if you drop your guitar and the body cracks, we will deduct the fixed accidental damage excess off the money we pay you.
There is no excess payable for claims under the following Standard Benefits:
- Sheet Music/CD or Record Collection
- Damaged Locks
- Replacement Hire
- Data Recovery
- Personal Accident
There is one Optional Benefit you can add to your policy, requiring you to pay an excess:
- Public Liability (Enhanced)
There is no additional excess payable for claims under the following Optional Benefits:
- New for Old (For Life)
- Family Members
- Worldwide Cover (Enhanced)
There is no excess payable for claims under the following Optional Benefits:
- Transport for Repair
- Gadget and Mobile Phones
If you have a music insurance policy with us, you can view your excess amounts within your Policy Schedule.
Why should I consider buying insurance for my music kit?
Whilst your home contents insurance may cover your music kit if it is lost or stolen, we offer more than that with our bespoke music kit cover. Please check your home contents cover if you are unsure.
What music kit do you cover?
Equipment: amps, audio and professional audio equipment, and DJ equipment – their case and accessories.
Instruments: brass, drums and percussion, guitar and bass, piano and keyboard, strings and woodwind – their case and accessories.
Miscellaneous: laptops and desktop computers (as long as they are primarily used with the equipment).
Do I need to provide a list of every item I want to insure?
We have different requirements based on the item’s replacement value:-
£0-£249 ¦ the collective total of all items.
£250-£999 ¦ make, model, and replacement value.
£1,000+ ¦ make, model, replacement value, and serial number.
What is the maximum amount I can insure a single item of music kit for?
There is no single item value limit, however any items with a single item value above £10,000 are not protected when left in an unattended vehicle.
What if my music kit’s data is corrupted?
We cover the cost of a data recovery specialist to recover the data from a hard drive or removable media.
Can I loan my music kit to my family?
Yes, up to three family members are covered for loss, theft, or accidental damage, unattended vehicle, new for old (standard) and worldwide cover (standard) if you have the optional benefit – Family Members.
Where can I keep my music kit?
Take a look here at our Security Requirements document, which shows the locations and the security requirements.
Can I insure my CD or Record Collection?
Yes, we can cover your CD or Record Collection for loss, theft, or accidental damage including from an unattended vehicle.
What is New for Old (standard)?
If, within 4 years of the manufacture date (a) your music kit is lost, stolen, or accidentally damaged and (b) you have insured it for enough to replace it as new, we will replace your music kit with one of the same make or model, or if this is not available, one of a similar make or model, or equivalent value or specification.
What is New for Old (For Life)?
If, during the useful life of your music kit (a) your music kit is lost, stolen, or accidentally damaged and (b) you have insured it for enough to replace it as new and (c) you have chosen the Optional Benefit New for Old (For Life), we will replace your music kit with one of the same make or model, or if this is not available, one of a similar make or model, or equivalent value or specification.
What about gadgets and mobile phones?
We cover mobile phones, eReaders, portable audio players, satnav and GPS devices, wearables (including smart watches and fitness trackers), and tablets if you have selected the optional benefit – Gadgets and Mobile Phones.
What Optional Benefits do you offer?
In addition to your core benefits, you can choose from:
- Transport for Repair
- Gadgets and Mobile Phones
- New for Old (For Life)
- Family Members
- Worldwide Cover (Enhanced)
- Public Liability (Enhanced)
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium. Promo code discount is available from the start of the policy until its first review/renewal date.
