Probably a bit late now, but it's often worth getting your instruments separately insured, rather than leaving it on just your household policy.
I had a problem with my guitar neck, and the excess on my home was £250! I managed to get it fixed for under £150. Turns out you can get insurance for about £25 a year with no excess, which isn't bad, especially if you add up the cost of the glue, your time, and the hassle!
I found the cheapest was http://www.newmooninsurance.com/musical/ but there are many others out there
Peter Beard
July 2009