Musical Instruments

Policy Features

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.

Musical Equipment Covered:

• Musical instruments insurance for students up to £3,000 in total.
• Theft – Covers your musical instruments if it is stolen from your person or your property.
• Please note that there is no forcible violent entry or exit to the property requirement for your musical instruments to be covered.
• Covered anywhere within the UK.
• Accidental damage cover – e.g. you spill a drink over your keyboard.
• Multiple instruments on one policy – no need to specify the instruments just put the total combined cost of them all.
• Up to £100 towards the cost of hiring a temporary replacement.
• Covered in shared accommodation without any forcible violent entry or exit requirements to your room or the property.
• New for Old cover – meaning we replace items on a new for old basis regardless of age.
• Low £25 claim excess – you only pay the first £25 of any claim.
• Covered overnight in entertainment venues provided that the musical instruments are handed to the management and placed in a securely locked room, with any security devices in operation- up to a maximum of 72 hours at a time.

Our policy covers you for:

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.

Documents

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.

How to view the policy documents

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†

Claims

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:

• Receipts, bills, valuations or repair estimates as appropriate for all claims for loss or damage.
• Full details of accident or injury and early prognosis for personal accident claims.

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.

Exclusions

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.

What Is Not Insured:

• The first £25 of any loss.
• Any amount above the sum insured selected for musical instrument(s).
• Orchestral instruments and accessories.
• Any claim damage to your musical instruments resulting from: -
  
  • Wear and tear or any gradually operating cause or determination, inherent or latest defect.
  • Wet or dry rot, mildew, frost, rust or corrosion.
  • Insects, vermin or woodworm.
  • Dyeing or restoration or any commercial process of cleaning or repairing.
  • Faulty design or workmanship on the use of the faulty materials.
• Accessories or parts unless the instrument is damaged or stolen at the same time.
• Breakage of strings and/or reeds and/or drum heads.
• Loss or damage arising from electronic, electrical or mechanical breakdown, failure or derangement.
• Loss or damage caused by:-
  
  • Climate or atmospheric conditions.
  • Dampness, dryness, shrinkage, contamination or extremes of temperature.
  • Effects of sunlight, fading, changes in colour texture or finish.
• Theft by any person or persons to whom the property is entrusted.
• Loss or damage to your musical instruments whilst left in an unattended vehicle.
• Any portable computer equipment.
• Delay confiscation, nationalisation or detention by customers or other government public authority.
• Depreciation or diminution in value of your musical instrument(s) following repair.
• Any loss or costs that is not directly associated with the incident that caused you to claim, unless specifically stated in the policy.
• Loss or damage to your musical instrument(s) occurring at any place of entertainment where they have been left overnight, unless handed to the proprietor or manager of the place of entertainment for safe keeping locked away in secure storage with any installed security devices in operation.
• Damage to your musical instrument(s) sustained in travel unless they are securely packed in purpose designed, rigid bodied case.
• Accidental damage to cymbals.
• Where your musical instruments are kept temporarily in any place which is not your insured address. Except where they have been handed to the management of an entertainment venue for safe keeping, the cover is operable providing that the musical instruments is in a secure locked room with any security devices in operation, up to a maximum period of 72 hours at a time.

Your Duty of Care

You must, at all times, take all reasonable steps to prevent accidents, loss and damage.

F.A.Q's