Specialist musical instrument insurance designed specifically for musicians
Our specialist musical instrument insurance policies protect musicians, DJ’s and studio owners from having to pay out for repairs or replacements should something happen to their equipment. Cover starts from as little as £25 per year and insures against a myriad different aspects including theft, loss and damage of your equipment.
Most home insurance policies do not offer the cover musicians need, or take into account how instruments are used. Instruments and equipment are often not insured when taken away from the home, yet we understand that leaving your equipment at home 100% of the time is unrealistic, especially if you are a touring musician, a DJ or performance artist.
In the event of the theft, loss or damage of your equipment we’ll replace items new for old if the item is less than 3 years old for instruments or 18 months for laptops and they were bought new. Click here to see a top level list of items we are able to insure .
Our specialist musical instrument and music equipment cover includes:
Theft from home
Theft from home means theft from your insured location, such as your home. As long as your equipment is kept safe inside your home and all security devices such as door locks and alarms are working and there is evidence of forced and violent entry or exit to your home, you are covered.
Theft away from home
Theft away from home cover insures against theft whilst your instruments are away from their insured location. This is ideal for travelling musicians or DJ’s who take their musical instruments or equipment on the road or perform in the public arena.
We understand that musicians will want to take their instruments to practice at the very least and believe they should be insured against theft when they do so.
Theft from a motor vehicle
If you leave your musical instruments or equipment unattended in a vehicle such as a van or a car with all equipment out of sight in either a locked boot or covered luggage area, and the vehicle is securely locked and all security devices in operation, you are covered when you choose to insure with Insure4Music.
Most home and contents insurance policies do not offer this type of specialised cover, but we understand that leaving your equipment in a vehicle, even overnight or at the very least travelling with your equipment is unavoidable for a lot of musicians. With this in mind, we offer insurance against theft from a motor vehicle as we understand that musicians, bands and performers alike need this type of specialised cover.
Accidental damage cover insures your musical instruments should you drop or stand on your equipment, it is accidentally pushed over or if the accidental actions of someone else renders your equipment unusable. Accidents involving musical instruments can happen, but with our cover we can arrange for a replacement or repair as soon as possible meaning you do not have to pay out for expensive repairs or replacements.
Cover against malicious damage insures against deliberate harm to your musical instruments or equipment. If someone deliberately damages or vandalises your equipment, this can be an extremely difficult situation, especially if your musical instruments are your main form of income. With our cover, you are protected from having to pay out for damage repair and replacements if the item is beyond repair.
Insuring your musical instruments against loss provides the cover you need in case your instruments are lost in transit, on a plane for example, or are damaged beyond repair to the point where they are a “write off”.
We can offer specialist insurance for
Contact a member of our team today on 08000 469 859 to discuss your musicians insurance policy or click here to get a quote.