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Musical Instrument Insurance

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


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Musical 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

Extensive "all risks" insurance icon-thin-chevron-down

We provide "all risks" insurance cover. At our option we will replace, or pay the cost of replacing the item of property insured, with a similar article of like kind, functionality and quality


Worldwide cover icon-thin-chevron-down

We cover you automatically for up to 30 days any one trip when you travel overseas including professional use if you select this option


Unattended vehicle cover icon-thin-chevron-down

We include this cover as standard under your policy, please refer to your policy document for full details


Protect your no claims bonus icon-thin-chevron-down

This is a "stand-alone" policy, any claim will not affect any no claims bonus you may have under your home insurance


First class claims service icon-thin-chevron-down

We settle claims "in house" and in the event of a loss we'll work with you and our industry contacts to settle your claim as quickly as possible. Most policies are excess free


Insured at Lloyd's of London icon-thin-chevron-down

This policy is underwritten at Lloyd's of London, the worlds oldest continuous insurance market.

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