First Year Student Living In Halls?
You should also consider adding musical instruments insurance cover to a students contents insurance policy. Students contents insurance comes with a range of included covers and also allows you to include cover for your musical instruments.
If you just want to insure your musical instrument(s) then look no further. We can offer a standalone insurance product that will cover these items without having to take out a basic level of possessions insurance with us.
If you just want to insure your musical instrument(s) then look no further. We can offer a standalone insurance product that will cover these items without having to take out a basic level of possessions insurance with us.
Our student musical instrument cover is designed to cover your instrument(s) such as guitars, drums, keyboards etc.
This product is available to all students whether you are studying music or you’re budding singer song writer a member of the next big band we can cover your instrument(s) up to £3,000.
You can get a quote in seconds; all we need to know is the total combined value of your musical instruments that you wish to insure.
Cover can be taken out instantly and policy documents will be emailed to you.
We also offer a 14 day cooling off period meaning if you decide for any reason that the policy does not meet your requirements within 14 days. We offer r a full refund of your premium guarantee if you decide to cancel provided no claim has been made or pending.
At Cover4students we understand that you may already have personal possessions insurance within your accommodation via a University Block Student Contents Insurance scheme (i.e. If you are in halls of residence) or by your parents’ home insurance policy – so why should you have to take out a full contents insurance policy to extend the cover to include your musical instrument(s)? Well now you don’t, Cover4students has an insurance for students product that allows you to just cover the items you require such as your guitar, keyboard or drum kit.
If you instrument is not an Orchestral Instrument – defined as brass, woodwind and stringed orchestral instruments and non-electric pianos then it is covered in this section.
For example: Guitar (Bass guitar, electric guitar), trumpet, keyboards, drum kit, according, mandolin, banjos to name just a few.
If you’re unsure as to whether your instrument can be covered, then please contact us on 0161 772 3390.
If you have an orchestral instrument as defined above we can also cover this under the orchestral section of the quote process.
To get a quote for your musical instruments insurance for students, all we need to know is the total cost of all your musical instruments and we can cover all these items under one policy.
For example: Guitar £500, keyboard £600 and a Trumpet £500 = £1,600 in total.
If you purchase student musical instrument insurance from Cover4Students, we will send you an email confirming your purchase of cover and provide you with your personal policy schedule, policy wording and policy summary documents.
You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid.
We also provide the option below for you to view and download the Policy Wording and Policy Summary documents so that you can view prior to purchase or at any time after.
The insurance for students policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the
Adobe website or visit Access Adobe for help. To view your documents, please click on the links below:
| Policies Purchased after 01/08/2023 | ||
 Policy Wording | Claims Form | |
| Policy IPID† | ||
| Policies Purchased after 01/03/2023 | Policies Purchased up to 01/03/2023 | |
| Policy Wording | Claims Form | Policy Wording |
| Policy IPID† | Policy IPID† |
To start the claims process, please complete the Claims Form provided below. Before submitting your claim, please read your policy schedule to make sure you are covered and have a valid claim.
If you have a valid claim please complete our online claim form listed above and return it along with:
All claims for theft or loss must be reported to the police.
In some cases we may arrange either for a member of our staff or an independent chartered loss adjuster to discuss your claim with you. This is not always necessary but when it is we will advise you of the name and address of the loss adjuster and monitor progress of the claim for you.
Please don’t worry if we arrange for a loss adjuster or member of staff to visit you. It is a normal claims procedure and aims to speed up consideration of claims.
Certain types of claims will be considered directly by the insurers if refereed to them by cover4students.com
Fill out the online claims form here: Make A Claim
Phone: 0161 974 1101
Post:
Cover4students Claims Team,
Stream Claims Services,
Copthall House,
King Street,
Newcastle under Lyme,
ST5 1EL.
We strongly recommend that you read the policy wording document to see a full list of the terms and conditions that apply to your policy with us. These can be downloaded from the Policy Documents Tab.
You must, at all times, take all reasonable steps to prevent accidents, loss and damage.
Yes, we can insure your musical instrument– but if the item needs to be replaced it will be replaced with a UK model /version to the closest specification.
Yes, we replace items where necessary on a new for old basis.
Musical instrument is intended to pay out when your instrument is accidentally damage or stolen. Not to be confused with a product warranty insurance – this insurance will not cover you for breakdown of the instrument due to mechanical failure, electronic faults or problems with instruments construction.
No, if for example you have mixing deck software on your laptop that you use with your keyboard you would need to cover the laptop separately. Our student product(s) policy will allow you to add computer equipment to your musical instrument policy.
Yes, there is no age limit on our policy. Please note that items are replaced on a new for old basis so if a claim does happen it will be replaced like for like with a similar item which is determined by your current items specification.
Yes, there is no requirement on the policy for forcible and violent entry or exit to the property. You would however need to report the theft to the police and gain a crime reference number.
This basically means that there doesn’t need to be a physical break-in to the property. As we are a specialist student insurer we understand that students often live in shared accommodation and we take into this into account. For example – say somebody comes back to your property with one of your flat mates, this person then enters your room and steals your guitar, as long as you report the incident to the police then you are still covered.
Please note that you do still have a duty of care requirement under the policy (you must, at all times, take all reasonable steps to prevent loss) with this in mind you should close windows and lock main entry and exit doors when you leave the property.
If you drop your guitar or spill a drink on your keyboard these incidents count as accidental damage.
Yes, you are automatically covered for your musical instruments anywhere within the United Kingdom.
Under this product we cannot cover your musical instruments outside of the UK.
Yes, you will just need to insure up to the total cost of the multiple items i.e. bass guitar £500 + electric guitar £500 means you should select £1,000 for musical instruments cover.
Yes, we cover the instrument for accidental damage. Meaning we will repair or replace it for you.
It may, but some contents insurance policies exclude instruments. If they are included it is a good idea to check the limit as it may not be high enough. Our standalone policy can cover the instrument up to £3,000.
Musical instruments are expensive to replace, so it pays to have a good insurance policy to protect them, but it is not compulsory.
You need to select cover up to the amount it would cost you to replace all your instruments as new.
Accidental damage, loss and theft: This covers your instruments if they are damaged, lost or stolen.
Our musical instrument insurance can cover all types of musical instruments up to £3,000 in total such as traditional instruments (acoustic and electric guitars, drums, strings and pianos) and their accessories (cases, pedals, adaptors, drum sticks and bows), if they are damaged or stolen at the same time.
We will also cover the cost up to £100 of hiring temporary replacement musical instruments whilst your insured instrument is undergoing repair or awaiting a replacement.
You should also consider adding musical instruments insurance cover to a students contents insurance policy. Students contents insurance comes with a range of included covers and also allows you to include cover for your musical instruments. Musical Instruments Insurance — Contents Insurance Quotes
If you just want to insure your musical instrument(s) then look no further. We can offer a standalone insurance product that will cover these items without having to take out a basic level of possessions insurance with us.
Musical Instruments Insurance Quotes