Musical Instrument Insurance
Protect your musical instruments with specialist insurance designed for musicians. Cover for damage, theft, loss, and worldwide protection for instruments of all types and values.
Specialized Protection: Musical instruments require specialist insurance that understands their unique value, fragility, and the lifestyle of musicians.
Instrument Categories Covered
String & Keyboard Instruments
Comprehensive coverage for string and keyboard instruments of all types.
- Acoustic & electric guitars
- Violins, violas, cellos
- Pianos & keyboards
- Harps & other strings
Wind & Percussion
Protection for brass, woodwind, and percussion instruments.
- Saxophones & clarinets
- Trumpets & trombones
- Drum kits & percussion
- Flutes & piccolos
Professional Equipment Coverage
Music Production & Performance Gear
Studio Equipment
- • Mixing consoles
- • Audio interfaces
- • Studio monitors
- • Recording equipment
Live Performance
- • PA systems
- • Microphones
- • Amplifiers
- • Effects pedals
Electronic Music
- • Synthesizers
- • DJ equipment
- • MIDI controllers
- • Digital workstations
Coverage Levels & Pricing
Instrument Type | Value Range | Annual Premium | Typical Excess |
---|---|---|---|
Student Instruments | £500-2,000 | £30-60 | £25-50 |
Semi-Professional | £2,000-10,000 | £60-200 | £50-150 |
Professional | £10,000-50,000 | £200-800 | £150-500 |
Rare/Vintage | £50,000+ | 1-2% of value | £500+ |
Risks & Protection Measures
Common Risks
Transit Damage
Moving between venues and rehearsals
Venue Theft
Equipment left unattended at gigs
Climate Damage
Temperature and humidity effects
Accidental Damage
Drops, spills, and mishaps
Protection Tips
Quality Cases
Invest in professional-grade cases
Climate Control
Maintain proper storage conditions
Security Measures
Never leave instruments in vehicles
Regular Maintenance
Professional servicing prevents issues
Claims Process
Making an Instrument Insurance Claim
Immediate Steps
- Secure the instrument if damaged
- Report theft to police immediately
- Contact insurer within 24-48 hours
- Document damage with photos/video
- Obtain repair quotes from specialists
Required Documentation
- • Purchase receipts or valuations
- • Photos of the instrument
- • Police crime reference (theft)
- • Repair estimates
- • Proof of ownership
- • Performance schedule (if relevant)
Special Considerations
High-Value Instruments
Special requirements for valuable and vintage instruments.
- • Professional valuation certificates
- • Agreed value policies
- • Specialist repair network access
- • Enhanced security requirements
- • Regular revaluation needs
Professional Musicians
Additional coverage considerations for working musicians.
- • Loss of earnings coverage
- • Hired instrument protection
- • Public liability insurance
- • International touring cover
- • Equipment breakdown insurance
Frequently Asked Questions
What types of musical instruments can be insured?
Coverage includes all types of instruments from guitars, pianos, and violins to brass, woodwind, electronic instruments, and DJ equipment. Both modern and vintage instruments can be covered.
Are vintage and rare instruments covered?
Yes, vintage and rare instruments can be insured, often on an agreed value basis. Professional valuation may be required for high-value or antique instruments.
Does the insurance cover instruments during performances?
Most policies cover instruments during performances, rehearsals, and recording sessions. Coverage typically extends to venues, studios, and while in transit.
What about instruments on tour or abroad?
Many policies include worldwide coverage, though you may need to declare international travel. Some insurers charge extra for extended overseas use or high-risk countries.
Can I insure band or orchestra equipment collectively?
Yes, many insurers offer collective policies for bands, orchestras, and music schools. This can be more cost-effective than individual policies for multiple instruments.
Does musical instrument insurance cover depreciation?
Quality instruments often appreciate rather than depreciate. Policies typically offer 'new for old' replacement or agreed value coverage, protecting against depreciation concerns.
Protect Your Musical Investment
Get specialist musical instrument insurance quotes from leading UK insurers. Compare coverage for all types of instruments and equipment.