Insurance for musical instruments

We can help you find the right musical instrument insurance, whether you have just one or an extensive collection.

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Insurance that’s instrumental for you

Music is made by people – but it’s your musical instrument that makes it possible. We can help you find the right music instrument insurance, whatever you play or own, so you can carry on making music in complete harmony.

We understand that different musicians have different needs for their musical instruments. That’s why we offer cover that’s tailored to every instrument; from pianos to piccolos and ukuleles to xylophones. We can also provide Music Gear insurance to protect all your electronic equipment and accessories, right down to your stand or case.

Whether you’re a professional earning a living through music, you jam for fun with friends, or you prefer to play in private, we can provide the right musical instrument insurance for your gig. Our goal is to give you the peace of mind to play on, fully protected.

Choose your service and get a quote:

Bespoke, personal musical instrument insurance for professionals and exceptionally valuable instruments
Quick and easy musical instrument insurance for musicians of all abilities

Molto espressivo. That’s how we describe our service.

When you devote your life to music, you need someone who understands that dedication. At Lark Music, that’s our gig. And that’s why we offer a bespoke personal service for professional musicians, collectors, makers and dealers.

We’ll talk to you directly so we can assess your needs and tailor your music instrument insurance policy to give you perfectly pitched protection.

Simply call 020 3846 5271 or click the button below
to get a quote and set up your bespoke policy



Personal service and rapid responses
Speak to someone who understands your world. Our specialist advisors can make instant policy changes over the phone and respond to emails quickly.
Three levels of cover available*
We know every musician is different so our musical instrument coverage comes in three levels to suit your individual needs.
*Please note, our three levels of cover are only available when purchased offline with our team.
We cover costs that come with claiming
We understand some claims come with extra costs, such as travelling to a specialist vendor or repairer, so we’ll cover these too.*
*Reasonable costs will be covered which is decided by Lark Music and the insurer.

Service so easy you’ll want an encore

We love music as much as you do, so we play our part in helping you create it. That’s why our music instrument insurance hits all the right notes. Whether you’re practising at home, playing with friends, teaching, recording, or performing on stage, we’ll get you covered quickly and easily.



Cover for core risks
All our musical instrument insurance covers fire, theft, flood, and accidental damage.
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 fees for the first 14 days after you buy one of our musical equipment insurance policies.

Based outside of the UK or EU? We can still help

The love of music unites people wherever they are in the world, so at Lark Music we’ve made our Musical Instrument insurance available to those who live outside the UK and EU with our specialist, personal service.

Our team has worked with musicians worldwide for many years and are happy to help you find the policy that best suits you. Simply fill in our online form and we’ll get back to you at a time of your choosing.

We can cover musicians in:

Hong Kong
New Zealand

Why choose Lark Music for Musical Instrument insurance?

If you’re browsing insurance for your musical equipment, look no further than Lark Music. We’ve been singing from the same song sheet as our customers for over 25 years. See for yourself by taking a look at our reviews on Feefo, given by musicians from all over the world.

Music isn’t just our business; it’s our passion. That’s why we’ve partnered with charities such as the Independent Society of Musicians (ISM), the Young Classical Artists Trust (YCAT) and the European String Teachers Association (ESTA).

If our offering sounds like music to your ears, get a musical instrument insurance quote today.

Musical instrument insurance FAQs

Is musical instrument insurance worth it?

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.

What's covered by music equipment insurance?

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.

How much does musical instrument insurance cost?

Different musical equipment insurance companies will have their own rates but our quotes are based on a few key factors. These usually include:

  • The number of instruments, items, equipment, and accessories you want to insure
  • The value of your items
  • Any no-claims discount you’ve accrued
Can I get short-term or temporary musical instrument insurance?

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.

Who can get music instrument insurance?

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.

Are musical instruments covered by contents 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.

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