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Specialist Sectors

Musical Instrument Insurance

In respect of policies purchased through our website you will not receive advice or a recommendation from us and you will then need to make your own choice regarding the suitability of products offered and about how to proceed. Guidance on the circumstances in which any policy is likely to meet customer’s needs, will be confirmed in a demands & needs statement (below) and with the quotation.

Step 1 - Get a Quote

Your musical instrument may not be covered by your home insurance however with this policy it will be covered worldwide.

Here are some of the standard benefits you will receive:

  • No Excess
  • Accidental Damage
  • Cover wherever you are
  • Unattended vehicle cover
  • Flexible instrument repair

Your Contact Details

Cover Details

Please call the WeLoveMusicians team on 01223 792265 for a tailored quote to meet your needs.


Statement of Fact


Please confirm the following:
  • You are a UK resident
  • Your main residence is of standard brick, stone or concrete with a slate or tile roof, which has all external windows and doors locked at night or when the premises are left unattended
  • You or any member of your household have not had any insurance coverage declined,cancelled or had increased or special terms imposed in the last 5 years
  • You or any member of your household have ever been convicted of any criminal offence that has not become spent under the rehabilitation of offenders act 1974, or have any prosecutions pending for any criminal offence (other than a minor driving offence)
  • You do not travel for more than 30 days outside the UK at any one time


Please confirm the following:
  • Your instruments are located at the main residence, unless otherwise agreed
  • The instrument is owned, hired or rented by either the policy holder or a family member
  • You or any member of your household have not had any previous loss, theft or damage to the musical instruments and/or accessories in the last five years
  • For instruments valued over £1500 you must provide proof of this through either a purchase receipt or valuation from a suitably qualified valuer within the last five years, in the event of a claim. Items valued at under £1500 need not provide proof
  • The instrument is in good condition and where applicable, will be kept in a suitable case
  • The sums insured represent the full replacement cost or that of a valuation

Statement of Demands & Needs

This policy meets the requirements of those who wish to insure their Musical Instrument/s against accidental loss or damage including fire and theft, compensation for loss of value following accidental damage to their instrument/s and to have an agreed value for individually listed instruments. Policy cover is underwritten by XL Catlin Insurance Company UK Ltd via Arthur J. Gallagher (UK) Ltd.

Please ensure you read the Policy Summary/Insurance Product Information Document (located under the Documents tab) as this provides a summary of the main covers and exclusions so that you can make sure this policy will cover your requirements. The full policy wording can also be found under the Documents tab and you may also wish to refer to the FAQ’s tab for further information before taking out this cover.

It is important you check the details you have provided and agree to the Statement of Fact as this is the information the policy is based on.

We act as your agent in sourcing this policy and in the event of a claim and agent of the Insurer when placing the insurance under this arrangement.

We will be remunerated for arranging the insurance in the form of commission, which is a percentage of the premium. Administration fees are payable for cancellations in accordance with our terms of business. If your policy is to be paid through Premium Credit, we will receive an over-rider payment for placing your business with them which is a percentage of the premium to be financed. You are entitled, at any time, to request information regarding our total earnings relating to your policies which we have received as a result of placing your insurance business.

Your Personal Quote

Based on the information you've given us your personalised quote is as follows:


(inclusive of insurance premium tax at the current rate)