What does Musical Instrument Insurance cover?

Insurance to cover the cost to repair or replace your instrument following an accident.

If you’re travelling with your musical instrument, we can provide cover for your instrument anywhere in the world.

Protects your musical instrument if you have to leave it in a vehicle unattended.

This policy is flexible and will cover the cost of repair with your choice of repairer. You can choose your own repairer.

If you’re a professional musician, you may choose to add personal accident cover to protect your livelihood. If you are unable to work due to accident or industry, this policy covers loss of earnings, up to £10,000.

Professional musicians need this cover in case they cause injury to third parties, or for damage to third parties’ property. It provides up to £5 million towards the cost of legal defence and damage awarded.

Covers loss of earnings as a result of a cancelled performance.

Protection for professional musicians in the event of legal action being taken against them, including HMRC investigations. Covers the cost of legal defence or damages.