11 January 2021

Lockdown 3.0 and your musical instrument insurance: Do you need a Practise at Home policy?

By Lark Music
Woman singing at home

In light of the national lockdown announcement on 4th January, we wanted to highlight our Practise at Home Only policy and provide some more information about it. This policy provides tailored annual cover for stay-at-home musicians from £28 and is easy to switch to from your normal musical instrument insurance policy.

Who needs this policy?

Anyone who owns an instrument needs to make sure that it’s protected – whether you are travelling or staying at home. If you already have a musical instrument insurance policy in place but have found yourself and your instrument restricted to your home, then this is a good option to reduce your cover while still protecting your instrument.

What does this policy cover?

The Practise at Home Only policy covers accidents and breakages, thefts at home, water damage and fire damage at home but removes all the unnecessary extras of a musical instrument insurance policy that would not be needed at this time.

Why should I change to this policy?

We appreciate that at this extraordinary time it makes sense for many musicians to change from their musical instrument insurance policy to this Practise at Home policy  which not only provides them with protection for their instrument whilst at home, but also as it may offer a reduction for your existing premium.

What happens when I am able to travel again?

If you decided to take out a Practise at Home policy, we will contact you when the lockdown restrictions begin to lift to remind you of your cover choice and the travel restrictions it has in place. We’ll be able to revert you back to your original musical instrument insurance policy if you find yourself needing more extensive cover. However, should you need to change your cover before this time, you just need to contact the team who will help. You can find our details here.

Make sure you have the right level of musical instrument insurance cover

If you would like to make sure you are on the correct policy and your instrument is correctly protected, please get in touch with our team who will be more than happy to help. Get in touch using the button below or call 020 3846 5271.