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HomeLeisure InsuranceMusical Instrument Insurance

Whether you are a professional musician, a keen amateur or perhaps have a son or daughter at school or college that is learning an instrument for the first time, we have a policy that with cover your musical instruments and associated equipment including recording equipment on an “ All Risks” basis.

We will cover almost any type of musical instrument both modern and classical including the scenario where an instrument has been loaned to you or a member of your family and you are required to effect insurance to cover loss or damage to the item. In these cases, the interest of the owner of the instrument can be noted on the schedule of Insurance. . Our Musical Instrument “All Risks” Insurance policy is fully underwritten at Lloyd s of London, the world’s oldest insurance market

Why insure your Musical Instruments

Musical Instruments are expensive pieces of equipment and whilst they are fairly safe whilst being kept at home, as soon as they are removed the chances of loss, theft or damage increases. Also if you are loaned an instrument by a school or college you will probably find that having a comprehensive policy in force to cover loss or damage is a condition of the loan

Why choose insurance from Assetsure?

If you ask us for a quote to insure your musical equipment, unlike many insurers, we will not insist that you insure the rest of your home and contents with us. We also offer a policy that will cover you for “All-Risks” on a worldwide basis without any restrictions on the amount of time you can spend out of the country. We have two rating structures, one for professionals and another for amateurs. Some further feature of our policy are as detailed below

We've got you covered...

Accidental Loss

We’ve got you covered if you misplace or lose your instruments
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Accidental Loss

Cover for your equipment against an accidental loss.

It's all to easy to leave your musical instrument on a bus or train and whilst many are recovered. this is not always the case . If lost, we will replace your Musical Instrument up to your chosen sum insured.

Unattended Vehicle Cover

Unfortunately items get stolen, we make sure your covered if the worse happens
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Unattended Vehicle Cover

Cover for Theft from an unattended vehicle

Sometimes it is necessary to leave your musical instruments in an unattended vehicle and providing this is not for longer than 12 hours our policy will provide you with cover. We do expect you to take some precautions like keeping the items out of sight or in a locked boot and full details of our unattended vehicle insurance can be located in our policy wording available from the policy documentation tab on this website.

The maximum we will pay for theft from a vehicle is £5000

Accidental Damage

Accidents happen, we ensure that your instruments can be repaired.
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Accidental Damage

Cover against damage to your Instruments

We will provide insurance for damage to your musical instruments caused by accidental means, we have a couple of exclusions to bear in mind - we wont pay for
breakage of replaceable items such as strings, reeds and/or drumheads. There is no excess to pay in the event of a claim being made.

Equipment Hire

We know that you need the right gear so Replacement equipment hire is included in our cover
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Equipment Hire

Hired Equipment if you need it following a loss

We understand that the loss or damage to a musical instrument can cause problems if you imminent concerts to perform for example.

We insure You (up to the amount specified in the Policy Schedule subject to a maximum hiring cost) for the hiring of replacement musical equipment of the same or similar
specification whilst your equipment is awaiting repair or replacement following a fire, theft, attempted theft, loss of or damage to your equipment.

Theft

Unfortunately items get stolen, we make sure you are covered if the worse happens.
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Theft

Someone else like the look of your Musical Instruments

Musical Instruments are often stolen especially if you are using them away from your home. We will provide you with theft cover providing the equipment has been stolen
and there is evidence of forced entry to or from any premises, concert venue, dressing room or any securely locked locker or other similar place of storage.

We will also pay for theft of musical instruments left unattended in the open providing they are being used in the course of participating in a musical event.

Find out what makes our cover different...

Why we stand out...

We are a specialist jewellery insurer with an extensive network of trusted jewellers across the UK that we use to repair / replace your item on a like for like basis

Premium protection promise

Premium protection promise

We value our customers. Your premium will not be loaded next year if you make one claim under £500. We reward loyalty and will guarantee if you find a cheaper renewal quote we will match it.

In-house claims service

In-house claims service

Our sales office is open 7 days a week making it easier to report your claim. We are a dedicated, friendly and efficient team who's sole aim is make your claim experience hassle free and easy

30 day money back guarantee

30 day money back guarantee

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

Treating you fairly...

We will not charge you any additional admin fees to make amendments to your policy or to cancel. We won't use enticing introductory offers to draw you in as we believe the price should be good from the start.

We are so confident in our product that we will give you 30 days to change your mind for a full refund, rather than the generic 14 days given by most. Even if after the 30 days is up, if you decide our policy is not for you, we will refund you all of the insurance you haven't used.

Start here. Get a quote for your first item now…

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It's important to insure your instrument for the correct amount

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Your Questions Answered

Am I covered for replacement equipment? icon-thin-chevron-down

We insure You (up to the amount specified in the Policy Schedule (subject to a maximum hiring cost) for the hiring of replacement equipment of the same or similar specification whilst Your instrument is awaiting repair or replacement following a fire, theft, attempted theft, or Loss or Damage. The maximum We will pay is 15% of Your sum insured subject to a £250.00 maximum

Am I covered if I leave my equipment in the car? icon-thin-chevron-down

Yes you are covered subject to the following conditions

1. There must be evidence of forcible and violent entryto the vehicle.

2. Excluding theft from soft top and convertible vehicles

3. Excluding theft from a vehicle when it has been unattended for more than 12 hours.

4. When in a vehicle any insured items must be placed out of sight in a locked boot or concealed under a parcel shelf. For estate cars containing insured items, a factory fitted cover must be in place and in use, which completely obscures the items from view.

5. Vehicles when left unattended must have all points of access including doors, windows and windscreens left closed and properly fastened; and they must be securely locked with keys removed and security devices (where installed) operational.

6. If the value of the insured item(s) left in the unattended vehicle exceeds £1000 the vehicle must be fitted with an alarm and an immobiliser and both must be activated at all times when the vehicle is left unattended.

7. Maximum Claim in respect of theft from unattended vehicles £5000 any one event.

How much should I insure my Instrument(s) for? icon-thin-chevron-down

You should insure for the usual new undiscounted replacement cost ( including VAT ) from a reputable United Kingdom dealer as at the commencement date of the Period of insurance.

Are there any Age restrictions? icon-thin-chevron-down

The Assetsure Musical Instrument Insurance policy is available to persons over the age of 21