Insurance for students from musicGuard
Specialist insurance for students from musicGuard
As a student, music is a great way to spend your downtime, and knowing this, we can offer protection for your instrument against theft, knocks or scrapes. You may even be studying a music-related degree and will understandably want to make sure that your equipment is safe from harm.
Over 20 years of Guardcover, supporting your passion
Why protect yourself with insurance from musicGuard?
See what our specialist cover can offer you as a student.
20 Years of Experience
We know what it takes to protect the things that matter to you.
Quick and Simple
We've made it quick and easy to get a quote in seconds.
0% Monthly Payment
Spread your payments across the year at no extra cost.
UK Customer Service
Our customer service team is ready to help you with all your questions.
Your online account is an easy way to access and manage your policies 24/7.
Cover for all types of musicians from teaching, rehearsing or performing live.
What’s included in our insurance for students?
What am I covered for?
At musicGuard, we can offer specialist cover for you and your instruments, while you study and play.
Theft and Accidental Damage
What if your instrument is damaged or stolen?
If your instrument is stolen from your home or suffers damage, musicGuard is there to help. Our cover includes theft and accidental damage, vandalism, attempted theft and fire damage for instruments up to £50,000 in value. Security requirements apply.
New for Old Cover
What if your instrument needs replacing?
We understand what your instrument means to you, which is why we offer genuine new for old replacement, and we don’t depreciate the value of your instrument when you make a claim.
Music can take you anywhere, so why stay in one place? We automatically include UK-wide cover and up to 30 days of worldwide cover for your insured instrument.
Are you covered while your instrument is in the car?
Keep your instrument safe when you're on the road. We automatically include In-Vehicle Cover and up to £300 cover for damage caused to your vehicle at the same time as the theft or attempted theft of your insured equipment. Storage and vehicle security requirements apply.
Loss of Earnings
How can we help you?
If you’ve had an accident that's keeping you from playing, then you shouldn't have to be out of pocket. We can offer up to £800 to cover the loss of your music-related earnings as a musician. Cover only applies to pre-booked music related earnings.
£2,000 Equipment Hire
What if you need to hire an instrument?
If you’re making a claim with us but still need a replacement instrument, then don’t worry. It’s covered as part of our claims service, with up to £2,000 of instrument hire available if you need it. Cover applies in the UK, with up to £250 claims hire cover abroad available with our Global Travel option.
Optional extras for students
Global Travel - If you are playing abroad, then you can extend your policy to include 365 days of worldwide cover and £250 claims equipment hire. Proof of hire required.
£5m or £10m Public Liability - You can increase your liability cover to either £5m or £10m and choose to extend the cover to include up to four partners who work alongside and support. Excludes North America.
Mechanical Breakdown - Covers repair costs to electrical gear (less than five years old) that breaks down outside of its warranty, so you’re not left empty-handed for your next set. Excludes computing equipment.
find out What’s covered with musicGuard
What musical instruments are covered with musicGuard?
Frequently asked questions about insurance for students
Want to find out more about our student cover?
If you’re wondering what our insurance for students includes, then we’ve answered a few questions here!
Can I get insurance as a student?
Our insurance is available to a wide range of musicians, including students and whether you’re studying a music-related degree or not! If your instruments and equipment are with you at university then you’ll want to keep them safe.
If you’re living at your halls of residence, then we can cover your instruments against theft should you suffer a break-in, as well as covering you for accidental damage, storm, flood and fire damage. Claims for theft or attempted theft need to be able to demonstrate forced entry.
Does my insurance cover my equipment in halls of residence rooms?
Your instruments and your musical equipment can be covered inside of your halls of residence room. If you’re studying away at university and have your instruments with you, then we can keep you covered if your halls of residence room is broken into and your equipment is stolen.
Your halls of residence room will need to have been securely locked in the event of your instrument being stolen. Our cover also includes protection against accidental damage, storm, flood and fire damage.
What is Public Liability insurance?
Public Liability (also referred to as personal liability or Third Party Liability) provides cover for any music-related legal liability that results in an injury to someone or damage to their property and where you are held liable.
For more information on our Public Liability cover for musicians and what Public Liability cover can protect you against, you can consult our policy wording here.
Do I need Public Liability insurance before I start playing gigs?
Many venue owners may require musicians to have Public Liability insurance before they can play gigs. Public Liability insurance can cover you if you were to hurt someone or damage their property while you’re performing and for which you are then held liable.
Can I include others on my insurance cover?
When you are insuring your instruments; the policy would have to be in one person's name and this person would automatically get £1million of Public Liability. For an additional premium you can increase your Public Liability cover to £5million or £10million and include up to four additional band or group members who help support you in your music.
Do you cover mobile or smart phones?
Unfortunately, we are unable to cover any mobile or smart phones on our music insurance.
Can I get insurance for a one-off event or just for a few days or weeks?
Our musical insurance is provided on an annual basis, we do not offer any cover on a short term or temporary basis.
How do you determine a like for like basis, should the item not be repairable?
Any offer we make to you will be determined by the features and specification of the insured item claimed for. This is based on the current market equivalent for products of a similar quality and specification and not the original cost of the item.
If I choose the Mechanical Breakdown option, is all of my equipment covered?
Our Mechanical Breakdown option provides cover for repair costs to electrical instruments and equipment that you purchased from new, are no more than five years old and are outside of any other warranty. Unfortunately, we are unable to cover laptops, tablets, desktop computing equipment and related accessories with this cover option.
What value should I insure my instruments for?
For items that can be readily replaced with a new one (or with a similar model), the value should be the usual, undiscounted cost including VAT from a reputable retailer at the time you apply.
Can I get cover for any music-related Loss of Earnings?
Yes, our policy can cover pre-booked music related loss of earnings that are as a direct result of bodily injury caused by an accident that prevents you from attending either: your music-related profession, events, or any lessons.
We can cover up to £800 or 75% of pre-booked music-related events that you are no longer able to attend. Please refer to your policy wording for full terms and conditions.
What is the minimum / maximum age to get cover?
The minimum age for the main policyholder is 18. Public Liability and Personal Accident cover (if you have chosen to include this on your policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.
Can you cover two addresses on the one policy?
If you need to cover your instruments at more than one address, please call our contact centre on: 0333 004 3888
We can then look to update the policy accordingly dependent on the policy and security requirements.
Can I set up a policy on behalf of someone else?
As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.
How can I pay for my policy?
You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.
Can I add or make changes to the policy at any time?
Yes, you can make changes to your policy by simply logging in to your online account here, or by getting in touch with our contact centre by either:
- Phone: 0333 004 3888
- Email: firstname.lastname@example.org
You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.
Is there an excess on this policy?
All insured items claims are subject to the following excess unless otherwise stated on your insurance schedule:
- Cover for Insured Items - Excess payable = £75
- Mechanical Breakdown for Insured Items - Excess payable = £75
- Public Liability Property Claims - Excess payable = £500
- Public Liability Injury Claims - Excess payable = Nil
For Public Liability claims, the first £500 of each claim arising from damage to third party property.
I have previously made a claim. Will this affect my cover?
You need to tell us about any music related losses or claims you have had within the last three years whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as if not this could invalidate your cover.
Making a claim with musicGuard
We’ve made making a claim so easy
If your music equipment has been stolen or damaged, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly. Our easy-to-use claims process is listed below with some helpful information regarding what to do if you need to make a claim.
1. Call the police
If you’ve been the victim of theft or malicious damage, then your first port of call should be to inform the police.
2. Contact our claims team
Contact our in-house UK team to make your claim. You can call us on:
0333 004 1999 to get started, or alternatively, you can email us with details of your claim at: email@example.com
3. Make your claim
We'll provide you with your claim reference and talk you through the next steps. Should we need any further information to help process your claim, we can explain what's needed and support you.
Your policy document explorer
For customers whose policy started before 1st January 2021, you can access your policy documents here.
Existing customers: If you have an existing policy before September 23rd 2019, then you can contact our team for information on your policy.
You can email us at: firstname.lastname@example.org or call us on: 0333 004 3888
musicGuard customers say this...
We pride ourselves on delivering a personal service to every musician that we help protect. You don't have to take our word for it though, check out some of our independent reviews to see what our customers have to say! If you'd like to leave your opinion, good or bad we encourage you to submit a review too.