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You should insure your instrument for the amount it would cost to replace. If you’re not sure how much your instrument is worth, it’s a good idea to have it valued by a professional. You’ll probably be able to get a written valuation easily from your local musical instrument retailer or repairer. We recommend doing this regularly to make sure you’re not under insured or overpaying for your policy.
Unlimited – we can cover almost any type of musical instrument, regardless of how valuable it is. However, our website is limited to £30,000 for any one instrument. If your musical instrument is worth more than £30,000, or your collection is worth more than £50,000, just give us a call on 0330 100 9903.
Absolutely, just send us an itemised list of your studio’s musical equipment by email or post, or give us a call on 0330 100 9903. We’ll be able to talk about your cover options and give you a quote as soon as we have your list.
You can insure your drumkit as one item, but you can list each individual piece if you prefer. This helps us to tailor your policy to your personal needs, and will help to speed things up if you make a claim.
Yes. You will automatically get up to £500 cover (each valued between £10-£250, with a per claim limit of £500) for musical accessories and anything else you use to play your instrument. For any particularly expensive items, such as bows or pedals, we’d recommend specifying them individually on your policy. We’ll cover loss and theft for any consumables such as reeds or strings but we don’t cover wear and tear or damage.
Yes, we cover collections of sheet music and music books. Give us a call on 0330 100 9903 or send us an itemised list by email or post.
Yes, we cover antique and vintage instruments and instruments that are on display.
Yes, if you can prove that you use these items for the production of music, and/or that they are part of your musical set-up, we’ll cover them.
Yes. We cover all standard sound equipment including PA systems, mixers, monitor speakers, amplifiers, speaker cabs and microphones.
Yes, if they’re part of your normal set-up.  
Yes, we cover record, CD and cassette collections.
Yes, we cover music production software such as Pro-Tools, Logic and Cubase – we’ll just need to see your proof of purchase. We don’t cover mp3 or other audio files, damage to computer memory or other electronic memory, discs, memory cards or microchips.
Yes, as long as they have it with your permission. However, your insurance policy will not cover your instrument against theft if it is stolen by the person you have lent it to.
Yes. We will just need an email or a letter from the instrument’s owner to confirm that you will be responsible for any damage to the instrument.
Depending on your instrument/equipment, we would expect you to take all reasonable precautions to prevent accidents or damage, which may include using a case when storing or transporting it. When transporting by air or post we ask for you to securely pack your instrument/equipment in a suitable protective musical instrument case or other suitable protective container/cover.
No, and you won’t have to pay an administration fee to change your address either.
Just give us a call on 0330 100 9903 and we’ll quickly make any changes.
Of course, you can make changes to your policy at any time just send us the details through our contact form, or alternatively send us an email at: musicalinsurance@allianz.co.uk.
No problem, just give us a call on 0330 100 9903.
Give us a call on 0330 100 9903 to let us know you want to cancel, or alternatively send us an email at: musicalinsurance@allianz.co.uk
Yes, if you have selected Worldwide Cover. Your instrument will be insured for up to 90 days in any one trip abroad. You can take as many trips in any policy year as you like, as long as no one trip exceeds 90 days, and it starts and ends in the UK. If you will be abroad for more than 90 days at a time, please give us a call on 0330 100 9903.
Yes, you can choose from UK, Worldwide or Premises Only cover.
Absolutely, just give us a call on 0330 100 9903 and we’ll make this temporary change for you.
No, you will only be covered if your permanent residence is in the UK.
If you are a UK resident and have Worldwide Cover, your instrument will be insured for up to 90 days in any one trip abroad. You can take as many trips in any policy year as you like, as long as no one trip exceeds 90 days, and it starts and ends in the UK. If your instrument will be stored abroad for more than 90 days at a time, please give us a call on 0330 100 9903.
If you are a UK resident and have Worldwide Cover, your instrument will be insured for up to 90 days in any one trip abroad. You can take as many trips in any policy year as you like, as long as no one trip exceeds 90 days, and it starts and ends in the UK. If your instrument will be stored abroad for more than 90 days at a time, please give us a call on 0330 100 9903.
Lodging your claim is quick and easy, so you can get back to playing again. It’s best to notify us of your claim as soon as you can, however no later than 60 days after the damage or loss occurs. Just give us a call on 0344 391 4051 and our team will get your claim started.
No, unless you’re claiming for computer equipment, in which case there is a £100 excess.
We don’t usually increase premiums following a claim, but in some circumstances we may make adjustments.
Give us a call on 0330 100 9903 and we’ll take down the details of what’s happened. We’ll ask for proof of purchase or evidence of value, and if it’s a damage claim, we’ll discuss getting your instrument repaired.
We may ask for your receipt of purchase, evidence of value and/or photos of you using the instrument or equipment.
We aim to respond to all claims enquiries within 3-5 working days.
All insurance policies are different, and we recommend that you check with your insurance providers directly to confirm whether this will affect your premiums.
Yes. Give us a call on 0330 100 9903 and we’ll make sure you get the right cover.
They’re not essential, but they will help to speed up claims. We do, however, need serial numbers for any computers or laptops on your policy.

Public Liability is also known as third party liability and personal liability. This protects you against the cost of a claim if someone is injured, hurts themselves or damages property while you are using your equipment or instruments. We offer three levels of cover; £1 million, £2 million or £5 million.

Personal Accident Insurance covers you if you’re injured while using your instrument or any piece of entertainment, lighting or sound equipment. Our policy provides £10,000 worth of personal accident cover with each level of public liability. You’ll be able to claim for any of the below defined events: £5000 Payment: Loss of limb/sight/auditory power (hearing), £10,000 Payment: Permanent total disability or Death.

Yes we offer Public Liability and Personal Accident cover as an optional add-on. You can choose from £1 million, £2 million or £5 million worth of cover, and each includes up to £10,000 worth of Personal Accident Cover. Unfortunately we don’t offer Public Liability Cover as a standalone product.

Unattended Vehicle Cover insures your musical equipment against theft or accidental damage while it’s locked in the boot of a vehicle, whether that’s for a quick stop at a petrol station, or an entire night. This is incredibly useful if you transport your instrument for lessons, touring or playing live.

Please call us if you have a particularly large instrument and are unsure how to store it while travelling.

Yes. Our Temporary Cover policy will cover any instruments that you don’t usually have insured, or have borrowed from a friend or retailer. If you need to transport instruments that are on a Premises Only policy, you can use Temporary Cover to protect them. You don’t need to be an existing Allianz Musical Insurance Customer to take out Temporary Cover, but if you already have a policy with us, you may be eligible for a discount. Give us a call on 0330 100 9903 to get a quote.
You need to be over 18 to take out an insurance policy. Anyone under the age of 18 will still be insured while using the instrument, as long as they have it with the (18+) policyholder’s permission.
Yes. The policy will be in your name, but any items you insure will be covered for use by anyone of any age that you give your permission to, including your child.
Absolutely – and we offer discounted policies if your group is insuring multiple instruments together. Give us a call on 0330 100 9903 to discuss special rates.

Yes. We’ll cover you whether you teach in your own home, visit students, or teach at a school or university. We also offer Public Liability Insurance as an optional add-on.

You can also earn commission by referring your students to us. Call us on 0330 100 9903 to get set up and learn more.

No, this isn’t a standard requirement. In any special cases, we will tell you directly if this is necessary.

This means that the downstairs windows or outside-accessible upstairs windows (such as windows that are reachable over a garage) of the premises where your instrument is kept must be lockable from the inside – a standard feature in most homes. While you do not need to have lockable windows as a standard requirement of your policy*, we do ask that you keep your windows latched and closed overnight or when the property is unattended.

*Please note that if your sums insured exceed £100,000, we do require you to have lockable windows.

If you choose Premises Only cover, your instrument will only be covered at the address you have specified. If you choose UK cover, your instrument will be covered throughout the UK. With Worldwide Cover, your instrument will be covered anywhere in the world, for up to 90 days in any one trip, but you must be a UK resident. You can also add on Unattended Vehicle Cover. If you have any questions about this, give us a call on 0330 100 9903.

Absolutely. You can make changes at any time, free of charge. If you need to add more instruments to your policy or decrease your level of cover as a result of selling, just let us know.*

*Please note that only the policyholder can make changes to the policy unless you contact us to authorise someone else to do this on your behalf. Adding instruments onto your policy may incur an increase in the pro rata-premium charged.

We’ll send your renewal notice to you approximately 3 weeks before your policy is due to expire. Please contact us before your policy ends if you’d like to renew.
Yes, just give us a call on 0330 100 9903 and we’ll sort it out for you.