Musicians’ insurance is a valuable investment if you have instruments or equipment which you could not easily afford to replace if they were lost, stolen or damaged. Being a musician can be expensive if your equipment is damaged or stolen, but Musicguard, a specialist musical instrument insurer, covers £80 million worth of instruments owned by more than 10,000 musicians, providing such protection as:
- Cover of up to £250,000 against loss, theft or accidental damage
- New for old replacement
- Up to £1 million public liability cover
- Personal accident cover
- Choose from UK, EU, 30 days worldwide or full worldwide cover
- Add optional cover such as breakdown for when you instrument or equipment lets you down, or ‘in vehicle’ cover for when you’re transporting it to and from gigs.
Because millions of instruments are stolen each year, musicians have to question whether they are protected by their home insurance policies – they are sometimes not, especially if they are expensive instruments, and more often than not, instruments are not protected outside of the home. Also, it is important to consider not only the financial loss, but also your responsibility to the public if you are playing live – third party liability insurance can cover you if a claim is made against you for damage or injury. And, if you find a cheaper policy somewhere else within 28 days, Musicguard will refund double the difference, so get a musicians’ insurance quote today.