Student instrument insurance
If you have a very expensive road bike and cycle on the public roads a great deal, some insurance providers do now offer specialist bike policies. If this sounds like you, it might be something to consider.
Musical instruments can be expensive and are usually added to contents insurance policies as specific named items. Similar to with your bike, you may wish to add insurance to cover you if you take your instrument out and about with you.
Contents insurance will always have an unspecified single item limit, this is usually about £1,500. It’s not unusual for bikes and musical instruments to cost more than £1,500 so if they are, you will need to make sure you specify this when completing your insurance quote. Otherwise your bike or instrument may only be covered up to the single item limit on your contents policy.
With all insurance policies, always check your policy documentation. It will detail the scope of cover and the exclusions, the limits and the excesses. If you’re not happy with any aspect, talk to your insurance provider to see if you can make changes or arrange additional cover.
To compare contents policies, use our contents insurance comparison services to help you find the cover you need for the right price.