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 Musical equipment and instrument insurance offers the following Standard Benefits:
- Theft
- Loss or Accidental Damage
- New for Old
- Unattended Vehicle
- Worldwide Cover
- Replacement Hire
- Data Recovery
- Public Liability
- 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 musical equipment and instrument insurance policy with the following Optional Benefits:
- Gadgets and Mobile Phones
- Sheet Music
- Record / CD Collection
- New for Old for Life
- Family Member Cover
- Extended Worldwide Cover
- Extended Public Liability
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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Defaqto 5 Stars on selected products
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 i
- Loss or Accidental Damage i
- New for Old i
- Unattended Vehicle i
- Worldwide Cover i
- Replacement Hire i
- Data Recovery i
- Public Liability i
- Personal Accident i
(payable every 28 days,
cover renews every 28 days)
- Up to £50,000
- Up to £50,000
- Up to 4 years
- Up to £50,000
- Up to 90 days per year
- £500/per week (Up to 4 weeks)
- £400
- £1.25 million
- £12,500
(payable annually,
cover renews annually)
- Up to £50,000
- Up to £50,000
- Up to 4 years
- Up to £50,000
- Up to 60 days per year
- £400/per week (Up to 4 weeks)
- £300
- £1 million
- £10,000
- Gadget and Mobile Phones i
- Sheet Music i
- Record/CD Collection i
- New for Old for Life i
- Extended Worldwide cover i
- Extended Public Liability i
- Family Member Cover i
- £500
- £500
- £500
- Extends the New for Old for the life of your equipment
- 120 days
- Public Liability up to £5m
- Up to 3 family members
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.
Your lost, stolen, accidentally damaged or damaged by coming into contact with liquid, gadget, or mobile phone.
Loss, theft or accidental damage of sheet music.
Loss, theft or accidental damage of your record/CD collection.
Cost of replacing your musical instrument or musical equipment with new if stolen, lost or accidentally damaged.
Family members playing your musical instrument or using your musical equipment.
Loss, theft or accidental damage of your musical instrument or musical equipment anywhere outside of the United Kingdom, Channel Islands and Isle of Man.
Your legal liability to others for compensation and costs arising out of your use of your musical instrument or musical equipment.
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 Musical Equipment 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 Musical Equipment insured up for £100 with no Optional Benefits selected.
The average premium our customers paid in 2023 was £11.92 per Lunar Month with an average £8,105 sum insured.
A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.
How do I redeem my promo code discount?
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium.
Do I need music insurance?
Your household insurance does not always cover your musical equipment; therefore you may want specific music insurance.
What sort of equipment does your policy cover?
We cover: amps, audio & pro audio equipment, brass, DJ equipment, drums, guitar & bass, keyboard, PA equipment, percussion, piano, string and woodwind.
In addition, we also cover the following musical accessories: bags, batons, brass mutes, covers, drum mats, drum pads, ear protection, footstools, grips, gloves, headphones, metronomes, plectrums, seats, shoulder rests, stands, straps, trolleys and tuners.
Can I insure my computer on this policy?
A laptop or desktop computer can be included on this policy if they are primarily used in conjunction with the musical equipment.
Are there any items not covered on this policy?
We do not offer cover for batteries, bulbs, cables, computer memory, computer software, drum skins, fuses, leads, reeds, strings, valves or other consumable items.
Do I need to provide a list of the items I want to insure?
Yes, we need the make, model and replacement value for all items with an individual replacement value of £250 or more.
If there are any items with a replacement value of £1,000+ we also need a serial number. We will then need the total value for all other items with an individual replacement value below £250, but makes and models are not required for these items.
Is there a limit for any single item I want to insure?
The single item limit on this policy is £10,000.
Am I covered for data recovery on my equipment?
You can claim for the cost of data recovery from a hard drive or removable media; such as CD Rom, DVD, Memory Card and Flash card. The data must solely be connected to the usage of the insured items.
Is my policy still valid if I lend or loan my musical equipment to another person?
The policy is only available to the person named in the policy schedule. However, this can be extended to family members who live at the same address, if the Optional Benefit 'Family Member Cover' is added to the policy.
Do I need any specific security on my vehicle or where I keep my equipment?
Yes, full details are provided within our musical equipment insurance Security Requirements section within our policy wording.
Do you insure recording studios?
We are able to cover the musical equipment when in a studio, although we are unable to insure the building itself.
Can I insure my Record/CD collection?
Yes, we offer an Optional Benefit 'Record/CD Collection' which would then cover your collection at home, in transit, at a venue and in an unattended vehicle, up to the value of £500.
What is 'New for Old'?
If, within 4 years of the manufacture date (a) your music equipment is lost, stolen or accidentally damaged and (b) you have insured the equipment for the value of new replacements we will pay up to the new replacement value.
What is 'New for Old for Life'?
If, during the working life of your music equipment (a) your music equipment is lost, stolen or accidentally damaged (b) you have insured the equipment for the value of a new replacements and (c) you have chosen the Optional Benefit 'New for Old for Life' we will pay up to the new replacement value.
I note that 'Gadgets & Mobile Phones' can be added as an Optional Benefit?
Yes, we provide cover up to £500 for eReaders, satnav and GPS devices, smart watches, fitness trackers, mobiles and tablets. This is limited to 2 claims every 365 days, except mobile phones where it is 1 claim every 365 days.
What are Optional Benefits and do they apply to my music insurance?
Optional Benefits are sections of cover that you can select if you wish to.
Optional Benefits applicable to music insurance are:
- Gadget & Mobile Phones
- Sheet Music
- Record/CD Collection
- New for Old for Life
- Extended Worldwide Cover
- Extended Public Liability
- Family Member Cover
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.
