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General advice on Acoustic / Electric Guitar Insurance

Before you buy music insurance, musical instrument insurance any Acoustic Guitar insurance or electrical Guitar insurance consider the cover you require. You should consider how you play your Guitar. If you are a member of a band you could consider band insurance. We hope that the following may help you consider what options are right for you:-


That depends, consider the following...

  • If you take your instrument out of the home, say to school or a gig, you will need to check that your household policy covers this (normally an out of home extension is required).

    • Most home policies require theft involving force but in practice Instruments are most often left in unlocked rooms or store rooms.

  • This extension will normally have a single item limit. Is your Guitar below this limit?

  • Will it cover loss/ theft from a building e.g. a concert hall/ school or if left on a school bus?

  • What is your policy excess (typically €100, €250 etc.).

  • Will a claim following damage to your instrument affect your Contents No Claims Discount (if applicable).

  • Will your contents insurers know where best to repair your Guitar?

  • If you damage your Guitar would your contents policy pay for a loan of a Guitar to enable you to continue to play?

  • A specialist policy covers your instrument in and outside the home for the ROI and can be extended to cover the instrument on a worldwide basis.

  • A standard €0 policy excess applies (although you can consider taking an excess if required).

  • Policy extensions to include loaning of a Guitar.

  • Other benefits include:

    1. Worldwide, ROI and Premises only cover options

    2. Theft cover

    3. Accidental damage cover

    4. Loss cover

    5. Unspecified musical accessory cover comes as standard (limit €350)

    6. Unattended vehicle cover

    7. Hire costs in the event of a claim

    8. 14 days free cover when you borrow/acquire a new instrument (limit €3,500)

    9. ROI wide repair network

  • Depreciation cover is included as standard within MIS Underwriting musical instrument insurance policy.

In addition to Guitar insurance on the instrument you may be asked to play in public – for example at parties, weddings etc. Often you are then asked for music Public Liability cover (musician liability insurance). N

Guitar insurance, with a €0 policy excess unlike many of the market, players should still look after their instrument as Guitar insurance cannot cover everything and the following guidelines are we hope helpful:-

Strings – sorry but these will break (not insured under Guitar insurance unless following an insured event ). Consider make for different sound and ensure tension correct. Use an electronic tuner.

Transport – consider that you will need to purchase a case soft or hard.

At Home – consider investing in a Guitar stand.

Ask - Your retailer will provide you with the best advice and servicing.


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