Musicians Insurance / Musical Instrument Insurance Solutions
Cover that follows your instrument. From practice room to performance.
Musical instruments are more than possessions. They are expressions of craftsmanship, objects of history and often irreplaceable companions.
Whether you are a professional musician, a collector or a family with a treasured instrument: Dubois arranges a specialist insurance solution built around how instruments are actually used, stored and transported.
From daily practice and performance to touring, studio recordings, teaching and international travel, instruments face risks that a standard home contents policy does not cover. Cover can be arranged at home, in a case or securely locked away, on stage, at school or conservatoire, and in transit worldwide.
We understand the importance of condition, provenance, value and continuity. When something happens, we focus on straightforward claims handling. Whether repair, replacement, hire or compensation: you can keep playing.
Who we work with
Professionals and students.
Collectors and ensembles
Instruments move, schedules change, and there is rarely a convenient moment for a loss.
- Professional musicians: orchestral players, soloists, session musicians and touring artists
- Students and teachers: instruments at schools, conservatoires and universities
- Private collectors: rare, antique and high-value instruments
- Ensembles and organisations: orchestras, bands and musical groups
- Instrument owners who lend or hire instruments for performance or teaching
What we offer
From practice to stage. Protected end to end.
A practice room. A taxi ride. A backstage corridor. A flight case at check-in. Instruments are most at risk when life is in motion. The right cover brings clarity when you need it most.
Musical instruments and collections
Worldwide all-risks cover can be arranged for loss or accidental damage, unless expressly excluded, tailored to your instrument, the agreed insured value and daily use. Possible cover elements include:
- Fire, theft, flood, accidental damage and loss
- Cover at home, in a case or securely locked away, and at approved premises
- Automatic cover on tour, at school or conservatoire
- Depreciation following accidental damage, subject to agreed terms
- No premium loadings for musicians under 16
Common instrument types
Cover can be arranged for stringed instruments, woodwind and brass, keyboard instruments, percussion, guitars, and specialist or historic instruments.
Transit, touring and travel
Most claims occur in transit between locations, not at the locations themselves. Possible cover elements include:
- Worldwide transit and touring cover
- Cover for instruments left in vehicles during stops, within agreed limits
- International travel and temporary locations
Short-term and temporary cover
Flexible solutions that reflect the way musicians buy, borrow and work. Possible elements include:
- Short-term cover for instruments on trial before purchase, agreed in advance, for up to one month
- Cover for hired instruments for limited periods, subject to agreed terms
- Hire costs following a claim, within agreed limits
Special extensions, subject to agreed terms
Where environment, territory or handling changes the risk, the following options can be arranged:
- Loss or damage caused by customs or government action
- Tailored terms for retired professional musicians and collectors
- Solutions for young musicians that reflect use and supervision
Claims handling and continuity
- Practical claims handling focused on repair, replacement or compensation
- Settlement in your preferred currency, where possible
- Guidance on valuations by a specialist or luthier, documentation and sensible security measure
- Advice on moving instruments to secure storage following a claim
Need advice?
Speak to our team. We are happy to help.
FAQs
Yes. We arrange cover for individual instruments as well as scheduled collections.
Yes. Cover can be extended worldwide for touring, travel and temporary locations, subject to agreed terms.
Yes. We regularly arrange cover for rare, antique and high-value instruments. The basis is an agreed insured value, supported by a valuation from a specialist or luthier, or by a purchase invoice.
Policies can include hire costs following a claim, so you can continue to perform while repair or settlement is arranged, within agreed limits.
Cover can be extended to instruments on loan, on trial or on consignment away from your premises, subject to agreed terms.
No. We do not charge higher premiums for musicians under 16.
Contact us by email, phone or post. Once we have received your instruction, we will update your policy and send you confirmation by way of an endorsement.
We will send you your renewal quotation and invoice by email or post, approximately six weeks before your renewal date. Please let us know of any material changes, for example to security arrangements or insured values. Payment can be made by bank transfer or credit card.
Contact us as soon as possible. In the case of theft or loss, please report the matter to the relevant police authority first and obtain a crime reference number. We will send you a claims form and guide you through the next steps. Settlement is made in your preferred currency.