Many musicians assume their household insurance is enough, but most home policies:

• Only cover items at home.
• Exclude coverage if you perform professionally, even for small payments.
• Have low item limits that won’t cover high-value instruments.
• Require forced entry for theft claims — not realistic for most real-life situations.
• Typically don’t cover hire or loaned instruments while repairs are underway.

If you take your bagpipes out for lessons, competitions, or gigs, a home policy may leave you exposed.

 Look for policies that offer:

• All Risks Coverage – accidental damage included.
• New-for-Old Replacement – full value paid, no deductions for age or condition.
• Replacement Hire – continue practicing or performing while repairs are completed.
• Worldwide Coverage – protection wherever you play.
• Public Liability – protection if you accidentally injure someone or damage property.
• Choice of Repairer – select your preferred specialist repairer.

At Jack Hayward Insurance, we offer all of the above. With over 40 years’ experience and a 95–98% claims pay-out rate, we’re trusted by musicians across the UK. Check out our Bagpipe page for more information. 

​Don’t wait for an accident to happen. Protect your bagpipes and keep your music playing