[quote name='Nicko' timestamp='1435572717' post='2810045']
Myy house is insured through John Lewis. The contents cover covers instruments inside and outside the house, but I cant remember offhand what the single item limit is - I think is £2k. I fail to see why getting paid for gigs comes up in the insurance enquiry, I certainly wouldn't volunteer this info, but if they ask you'd have to tell them.
[/quote]
If you fail to tell something that might affect the policy then they can refuse to pay out.
Paid gigs means more travel often at unsocial hours with a greater risk of theft. Therefore higher premium.