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Musical Equipment Policy Information

  Monthly1 Yearly
Theft, Damage and Accidental Loss

Cover for theft, damage or accidental loss to the insured equipment up to 100% sum insured value. Including attended in transit risk, up to 100% of the sum insured or market value if less.

100% sum insured or market value if less 100% sum insured or market value if less
New for Old

If your equipment is totally destroyed or stolen within two years of new (monthly policies) or one year of new (annual policies), sum insured or the new market value if less will be paid.

100% within 2 years of new 100% within 1 year of new
Hire of Replacement Equipment

Cover extends to include any additional expenses necessarily incurred in hiring alternative equipment as a result of an insured loss.

£4,000 £3,000
Personal Accident

Covers accidental bodily injury while using the insured equipment resulting in one of the following: (a) death, (b) loss of total sight, (c) loss of one or more limbs, (d) deafness in both ears, (e) permanent total disablement.

£10,000 £7,500
Public Liability

Third party, legally liable claims and costs, arising out of your use of the insured equipment.

£1.25m per incident £1m per incident

Security Requirements

Please see our Musical Equipment Security Requirements document.


The excess is the amount you pay towards a claim. It is £110 on all sections except Public Liability claims where the excess is £160.

1. Lunar monthly policy (more information)