Insurance for kit


Junior Member
Hello everyone

I have spend many years and pounds of my hard earned money on kit, cymbals etc and as I am now venturing out and gigging, I wonder if I need insurance for my kit?

Does house or car insurance cover for such events as theft or damage, if not is there anyone who specialises in such policies?

I am based in the uk.

Thanks in anticipation of your responses.



Silver Member
In the US, it is a rider on your homeowner's insurance. You need an appraisal of your kit and serial numbers to get a quote. It's likely the same over there because Lloyd's (of London) underwrites all kinds of policies for all kinds of insurance carriers.


Gold Member
I am in the process of this also. Problem is that if you gig with your gear ( I am sure most of us do) then they consider you a professional. So I could not claim all my gear on my home owners insurance - even with a rider. Also because I have a practice studio away from my house the last place I got a quote from was not happy with that either.

I found a few places that I am working with now to get a quote. Will be more than happy to share my experiences.


Platinum Member
In the US it would be covered by your renter's or homeowner's insurance, if you can reasonably claim you're not a professional. If it's your job, they make you pay extra to cover them.


Gold Member
Hey everyone so I have some updates. Like we have established you can cover your drum gear for personal use under renters/home owners insurance. For an extra $52 a year I covered mine under a special valuable personal property insurance.

So if I mess up my drums on accident there is no cost for me to get them repaired or replaced. The grand total for my renters insurance andvaluable personal property insurance is $373 a year through USAA.

Now regarding the professional equipment; gear I used outside the house for money. I am waiting on quites from Clarion and another company.


Senior Member
I'm in the uk, and was wondering what the process was for a good assessment? As in, who can do this for you?
I am rocking various Gretsch kits, all over 30 years old, so i would need someone who has an idea of what vintage values are, wont they? Also, the new for old wont stand, will it?