Musical Instrument Insurance

It’s important to think about insurance for musical instruments. 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.

What’s more, 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.

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 best suits your needs.

First month free with Allianz Musical Insurance

Allianz Musical Insurance offers market-leading musical insurance policies that have been designed with the music world in mind. With over 30 years’ experience, customers value Allianz Musical Insurance’s reputation of a fair, prompt, expert claims service. Allianz Musical Insurance offers extensive musical insurance for all kinds of instruments.

ClassicPlay (no excess):  for stringed, woodwind, brass, orchestral percussion and acoustic instruments. Cover includes:

  • 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 link below to get an instant quote and receive one month free cover.


Get a quote now (takes you to Allianz Insurance website)

12 months’ cover for the price of 11. Offer applies only to the first year of cover. Terms and conditions apply.

Allianz Musical Insurance is a trading name of British Reserve Insurance Company Limited (BRIC), a wholly owned subsidiary of Allianz Insurance Plc. BRIC is authorised and regulated by the Financial Services Authority. Registered office:57 Ladymead, Guildford, Surrey GU1 1DB. Registered in England No.307622.