Musical Instrument Insurance

Highworth Insurance  can provide specialist standalone insurance for musicians and their instruments. Whether you’re a professional musician or student, we can tailor cover to meet your needs.

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Cover for every musician

Cover for every musician

We can provide musical instrument cover for everyone; from professional musicians, amateurs or student enthusiasts. Whether your expensive instrument is rarely played or played every day for enjoyment or for your livelihood, as specialist insurers we can tailor the correct level of insurance for you.

Stand-alone musical instrument insurance

If you are looking to insure a musical instrument you may wish to take out a stand-alone insurance policy, separate to your household contents policy and receive all of the benefits listed below:

  • Specialist policy covering accidental damage, fire, loss or theft.
  • Covers the professional, amateur or student musician and even DJ’s.
  • Wide range of instruments covered, from electric guitars to classic violins and pianos.
  • Up to £3,000 in replacement hire costs should your instrument need a repair for damage covered in the policy.
  • Cover whilst the instrument is left in a music venue, rehearsal room or school, under the direction of a music organiser or teacher.
  • We make it easy to add other instruments to your policy.
  • Options to have UK, Western Europe or Worldwide cover.
  • No excess to pay in the event of a claim.
Stand-alone musical instrument insurance
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Specialist musical instrument insurance

At Highworth Insurance we offer extensive cover options at very competitive prices.

Inclusion within a high value home insurance policy

This option offers extensive cover and can be a very cost effective way of insuring musical instruments. We have a range of quality home insurance products suited to protecting instruments both inside and outside your home. This type of policy can provide all of the following:

  • Worldwide cover on an all risks basis
  • Instruments for personal use under £15,000 are automatically covered with no need to specify on your policy
  • Very competitive premiums can be offered when incorporated within a high value home policy

Additional cover

A range of optional additional covers available, including:

  • Theft from an unattended vehicle
  • Public liability insurance of up to £5m whilst using a musical instrument or using sound and lighting equipment
  • £10,000 of personal accident or disablement cover

A wide range of instruments covered

A broad range of musical instruments can be covered, for example:

  • Electric and acoustic guitars
  • Pianos, organs and electric keyboards
  • Classical instruments; violin, viola, cello, brass
  • Drum kits, synthesizers, digital production and DJ equipment

Kindly be advised that not all options are available on all policies. We recommend that you carefully check your policy summary and policy wording for the exact cover applicable to your circumstances.

What do our customers say?

'A proactive, competitive company – a change from the norm!'

Very good at calling back, professional and diligent. The quote was also super competitive and we will be moving more of our insurance needs across to them in due course. It’s a rarity these days to find a company that does what it promises, and does it well. I would have no hesitation in recommending.

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The conscientiousness of the agents and their speed of answering queries – and a small discount persuaded me to change insurers. The efficiency of completing paperwork was excellent. Of course there have been no claims as of yet but otherwise a positive experience on a routine matter

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Last year I bought my first house and had a real trouble trying to get house insurance because of ‘historical movement’ on the survey. This year I did a lot more research and came across Highworth insurance. I did an online form and got a call back really quickly from Clarise. Clarise was brilliant. Very professional, helpful and gave excellent customer service. She also managed to save me £150 for the year. Great company to use.

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Having moved home I suddenly needed to sort out my buildings insurance as my existing insurer said my current policy could not continue as I had moved into a leasehold flat. I didn’t realise I had a problem until I notified them of my change of address. The person dealing with my enquiry settled all my problems and issued a policy to cover my needs.

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From the first phone call to ask questions on the levels of cover available for our house renovations, through to the decision and policy purchase, the help and guidance provided by Daniel was superb. A very efficient, polite and knowledgeable service. Thank you!

1 2 3 4 5
Mr Faux
To discuss your insurance needs with an experienced account manager please call 01202 937430 or apply online to get an instant quote