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Are bikes and musical instruments covered for students?

Your bike and musical instruments probably mean a lot to you, but both are easy targets for thieves. So, if they do get stolen, are you covered? 

Your bike and musical instruments probably mean a lot to you, but both are easy targets for thieves. So, if they do get stolen, are you covered? 

Chris King
From the Home team
3
minute read
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Posted 28 FEBRUARY 2020

How do I make sure bikes and musical instruments are covered by my insurance?

If you want to make sure your bike or musical instruments are covered, you’ll need to have at least a home contents insurance policy in place.
 
In some cases, you may need to add any bikes you want to get cover for individually to your policy. We ask for any bikes worth more than £350 to be added to your quote if you want cover for them. 

Musical instruments will most likely be covered under most standard policies if stolen from within your home. However, if your instrument is worth over a certain value (usually around £1,500) you may need to add it individually to the policy.

If your instruments aren’t worth quite as much, you may want to consider insuring them while you’re out and about. This cover is usually referred to as “personal possessions” or “personal belongings”.

I’m a student: is my bike covered by my insurance?

Bikes are notoriously easy to steal – there’s one stolen every 90 seconds in the UK. And even though they cost a lot of money, people often leave them poorly secured or in unlocked garages and sheds.

The good news is that you can usually add a bike to your home insurance policy at any time.  

Is my bike insured when I’m out and about?

Chances are you’re going to be out and about on your bike, so you’ll need to make sure you’re covered for this as it may not always come as standard.

You’ll be expected to take reasonable precautions when you’re travelling, such as using approved locks fitted to fixed bike racks, for example. Otherwise, if your bike is stolen you may find your claim won’t be covered.

What else do I need to know?

Make sure your policy has an excess you can afford, because if you make a claim, you’ll need to pay this before your insurance provider will pay out.  

If you have an expensive bike and cycle on public roads a lot, you may need to specify this on the policy to take advantage of cover specifically designed for specialist bikes.

Are musical instruments covered by my insurance?

Musical instruments can be expensive, so it’s worth making sure you have the right cover in place.

Contents insurance will always have a single-item limit, which is usually around £1,500. If your instrument is worth more than this, you’ll need to let your insurance provider know. Otherwise you could find yourself out of pocket if you come to make a claim. 

What should I look out for? 

Always check your policy documents, as these will tell you what’s covered, as well as detailing any exclusions, limits and excesses. If there’s anything you’re not happy with, talk to your insurance provider. Then you can make changes and arrange additional cover as you need to. 

To compare home contents policies, use our insurance comparison service to help you find the cover you need at the right price for you.

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