It’s important to think about musical instrument insurance, home insurance policies often have high excesses and these can deter musicians from making a claim when they need to. Instruments can often exceed the single item limit on home contents policies, and listing an instrument as a specified item can significantly increase the premium.
Whilst many musicians think home contents insurance is sufficient, it might not be. Specialist musical insurance is inexpensive and often costs less than adding your instrument to your home contents insurance and if you make a claim, your home contents no claims discount won’t be affected.
Specialist musical insurance covers professional use and provides specialist and prompt claims settlements on a ‘like for like’ (best for vintage instruments) or ‘new for old’ basis (for newer instruments), whatever suits your needs.
Allianz policies cover;
Theft, accidental loss or damage
Theft from unattended vehicles (optional extra)*
Unlimited professional use
Cover for instruments whilst in transit (not including premises only policies)
Cover for the cost of hiring alternative instruments in the event of a claim
Personal Accident and Public Liability (optional extra)
Use the banner link below to get an instant quote and receive one month of free cover.
† 12 months’ cover for the price of 11. Offer applies only to the first year of cover.
Terms and conditions apply. *Unattended vehicle cover is not available for soft top and convertible vehicles and the instrument must be concealed from view.
Allianz Musical Insurance is a trading name of Allianz Insurance plc, (Registered in England No. 84638) . Registered office address: 57 Ladymead, Guildford, Surrey, GU1 1DB.
Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121849.