Musical instrument insurance
Whatever type of instrument you play, whether amateur or professional, get specialist musical instrument insurance (plus accessories) through our partner, musicGuard.
Why choose musicGuard for your music instrument insurance?
Howden are delighted to introduce musical instrument insurance via musicGuard.
Howden and musicGuard know that each student policy needs to be as individual as its owner. That’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your comprehensive musical instrument insurance cover.
Thanks to the great relationship we have with the team at musicGuard, the specialist music and student insurance specialists, we're able to provide access to comprehensive policies which can tick all your boxes.
All in all though, just know, whether you need to make a claim, purchase a new student or instrument policy, or renew an existing one, we’re here to help.
Features of musicGuard's insurance:
- Buy online quickly
- Voted ‘Excellent’ on Trustpilot
- Cover in the UK and 30 days worldwide
- Interest free monthly payments
- Up to £1m public liability cover
- Up to £2,000 Music Equipment Hire
- Lots of cover options for you to tailor your policy
What is music insurance?
As a student, playing a musical instrument can be both a hobby and serious passion. Specialist musical instrument insurance is designed to help you never miss a beat, whilst protecting your musical instrument against theft, accidental damage, vandalism, fire and flood damage as standard and more.
With cover for all types of instruments, from guitar to cello, drums to DJ equipment, as well as accessories, you’ll want to make sure your kit is protected.
Do I need musical instrument insurance?
Insuring your musical instrument can be the sensible thing to do as it will make sure you’re protected against unexpected circumstances should the worst happen. It’s also worth bearing in mind that some instruments can be expensive to replace – so if you couldn’t afford to replace your guitar, piano, cello, DJ equipment etc., then musical instrument insurance could be the best option.
FAQs: Musical instrument insurance
Do I need musical instrument insurance at university?
If you’re planning on taking your musical instrument with you to university, you may want to consider insurance so you’re not left out of pocket in the event of accidental damage, theft, vandalism and more – especially when you’re living on a student budget.
While you may already have some cover in place under your parent’s household policy, double check where and if your musical instrument is covered whilst you are living away from the family home.
Is my musical instrument covered under my family’s home insurance?
There may be times when your parents' insurance policy will extend cover to your musical instruments when you're living away from the family home.
However, this is not always the case, so it’s important that you check with your the home insurance provider to see what’s covered. Even if cover is provided under your home insurance policy, you may find that it isn’t as comprehensive as the cover you could benefit from with a separate specialist musical instrument insurance policy.
What else is included with musical instrument insurance?
As part of musicGuard’s standard music insurance, you’ll receive cover for theft and accidental damage, as well as vandalism, fire and flood damage as standard - whether inside or away from your home. You’ll also get:
- Cover in the UK and 30 days worldwide
- Public liability up to £1million
- Up to £2,000 music equipment hire
- Loss of earnings cover
- Interest-free monthly payments
- New for old cover on your musical instruments and equipment
There is also the option to extend your cover to include:
- £5m public liability
- Global travel
Terms and conditions apply – find out more.
How do I know which is the best music insurance for me?
It can be tempting to go with the cheapest quote, but you may find that certain policies are cheaper because they exclude essential covers you may require.
Before choosing a policy, you may want to compare different insurers to make sure your musical instrument will have the protection it requires.
Making sure music instrument insurance has everything you need, as well as being an affordable price, will help you decide the right policy for you.
How does music insurance work?
From obtaining a musical instrument insurance quote to making a claim, here’s a step-by-step guide to how musical instrument cover works:
Step 1 – Get a quote
Getting an online quote is quick and easy. We partner with musicGuard for music insurance and all you need to do is input a few details about yourself and your musical instrument.
Step 2 – Set up your policy
If you’re happy with the price, you just need to pay for your policy by following the on-screen instructions.
Step 3 – Enjoy your musical instrument
Once your specialist musical instrument insurance policy is set up, you can head out and enjoy making some great music!
Step 4 – Make a claim should you need to
Should the unexpected happen to your musical instrument, you’ll need to get in touch with musicGuard to make a claim. Once you’ve submitted your claim, it’s been accepted and you’ve paid your excess, your musical instrument will either be repaired or replaced.
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