Lark Music Essential

Designed for instruments,
made for musicians

While music brings people together like nothing else can, we know that no two musicians are the same. So our cover plays to your lead – delivering straightforward and cost-effective insurance for musical instruments up to £50,000.

With us, you know that if anything happens to your instrument or gear, we can help replace it. Our policies cover all types of musician, from professional to casual, beginners, students, hobbyists, teachers and technicians. And if you’re renting an instrument, we can cover that too.

After more than 25 years in this industry, we know how much music means to you. Our quick and easy cover is designed to give you the peace of mind you need to play on, protected.

Get a quote and buy your policy online in just a few simple steps

GET A QUOTE ONLINE

Instrument insurance
that plays it safe

Unlimited worldwide cover

Get cover for wherever you take your instruments and equipment, worldwide.

Cover for core risks

All our cover protects against fire, theft, flood and accidental damage.

No charge for changes

We won’t charge any admin fees if you need to update anything on your policy.

When we pay claims, we do it quickly

We know you won’t want to wait after a claim, so we settle the approved amount quickly by bank transfer.

14 days to change your mind

We don’t charge any cancellation or admin fees for the first 14 days after you buy.

No excess for claims on non-electrical items

Only pay £100 excess for claims on your electrical instruments and accessories.

Temporary cover for instruments on loan

Trying before you buy or renting out to others? Add items on loan worth up to £50,000 for up to 60 days for free.

Get a quote online, by email or phone

However you like to arrange your cover, we can help.

Unattended vehicle cover

Add unattended vehicle cover to your policy to protect your instrument from theft when left in a vehicle, with no need to prove violent entry or that it was hidden from view.

For the love of music

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