What does guitar insurance cover?

A typical specialist guitar insurance policy will cover replacement on a new for old basis in case of theft, loss or accidental damage. Vintage and rare guitars would be covered on a valuation basis. It is also common for specialist musician’s insurance policies to include hire of a replacement instrument (or amp etc) until a replacement has been purchased and public liability insurance. Public liability is very much recommended for gigging musicians, as if the worst happened and you accidentally caused injury to a member of the public then the cost of any damaged claim could be very high.

Look out for optional extras such as:

• International or worldwide cover
• Personal accident cover
• Breakdown cover
• Vehicle cover

Whether or not you need these options in your guitar insurance policy depends very much upon your personal circumstances. Like all insurance, is a matter of balancing the cost of cover against the risk – there is no universal “best answer” and what suits a gigging blues guitarist will not be the same as a solo classical guitar player who specialises in session work in the studio.