A simples guide

Are bikes and musical instruments covered for students?

If you’re looking to insure your bike or musical instrument, it’s important to have a contents insurance policy and to check the wording in the policy to make sure you’re covered.

Standard cover does vary from provider to provider, so while some insurers might allow the items under cover as standard, others may not.


Are bikes and musical instruments covered for students?

Bikes are notoriously easy to steal and despite costing a good deal of money, people often leave them poorly secured or in unlocked sheds and garages. However you can usually add a bike to your home contents insurance policy at any time. Remember though, some insurance providers will only cover bikes if they're stolen from your home or a locked garage, as standard.

Given a bike is a means of transport, the chances are you’re going to be out and about on it. As obvious as that might sound to you, if you want the insurance to cover you on your travels you’ll need to specify it. You’ll be expected to take reasonable precautions when out and about, using approved locks fitted to fixed fixtures or bike racks for example.

Be prepared for bikes to come with relatively high excesses compared to other possessions too. This could vary considerably with anything from £100 to £500 being common. This means should you need to make a claim, you will need to pay that excess first, so make sure you can afford it should you need to claim.

musical instrument

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.

Compare home insurance

Get a quote in seconds and start saving

Get a quote