Lark Music is offering users of the Unsigned Guide a 20% discount on any new quote from Lark Music, the UK’s leading musical insurer.
Getting a quote is easy and will only take a few minutes. If you have a longer list of musical equipment, you can call us on 0333 188 6582 or email keynote@larkmusic.com.
Musical instrument retailers and repairers play a vital role in supporting musicians and we’re pleased to partner with organisations that share our commitment to helping musicians thrive. Whether you’re buying a new instrument or looking for guidance and support, their knowledge helps you find the right gear and keep it performing at its best.
That same commitment underpins our music insurance. Whether you’re rehearsing, recording, performing or touring, insuring your instruments with Lark Music gives you the freedom to focus on your music, supported by a team that understands the value of your equipment and the passion behind it.
All our cover protects against fire, theft, flood and accidental damage.
We know you won’t want to wait after a claim, so we settle the approved amount quickly by bank transfer.
We don’t charge any cancellation fees for the first 14 days after you buy.
The love of music unites people wherever they are in the world. That’s why we can also offer insurance if you live outside of the UK or the EU through our specialist, personal service. Our team has worked with musicians worldwide for many years and will be happy to help you find the policy that best suits you. Simply fill in our online form and we will get back to you at a time that suits you.
We can cover musicians in:
• Hong Kong
• Singapore
• Israel
• Switzerland
• Korea
• USA
That all depends on who you are, what instruments or equipment you own, and how often you play. Insurance for musical equipment is certainly recommended if you’re a professional musician whose livelihood depends on your instruments or gear.
Even for amateurs and hobbyists, musical equipment insurance provides valuable cover for expensive or cherished instruments. If you love what you do or what you play with, we’d argue that’s well worth protecting.
Our musical instrument insurance policies cover many of the core risks associated with musicians and equipment, wherever you are in the world. The main ones are fire, flood, and accidental damage, as well as loss and theft. You can also add Unattended Vehicle cover, Climatic Conditions cover and more to your policy if you so wish.
For more information and wording on our cover, read our policy documents here.
Different musical equipment insurance companies will have their own rates but our quotes are based on a few key factors. These usually include:
Yes, we offer temporary cover for instruments on loan worth up to £50,000. If you’re already a policyholder, you may add these items for up to 60 days for free. This is useful if you’re trying before you buy or renting your instruments to others.
Anyone can! Whether you’re a professional musician, teacher, collector, dealer, or simply a hobbyist, our musical instrument coverage is there for anyone who wishes to play on with the peace of mind that comes with insurance.
Home insurance policies usually aren’t flexible enough to give your instruments and equipment the cover they deserve. Most have a set limit per item within your household and a set limit for items you can take out of the household, as well as often carrying a sizeable excess.
If you rely on home insurance alone, you may be at risk of losing out if anything happens to your musical instrument. At Lark Music, we understand the importance of protecting your prized possessions – that’s why we offer a bespoke personal service to ensure you have the perfect protection in place for your instruments.
20% discount applies to UK residents and polices below a £250,000 total sum insured value.
1 95% claims payout rate based on claims between November 2024 and November 2025.
2No excess applies to Keynote insurance product only.
