Musical Instrument Insurance

We can help you find the right insurance, whether you have a single instrument or a large collection.

Get a quote

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 – so we offer cover that’s flexible to every instrument, from pianos to piccolos to ukuleles to xylophones. Plus we can cover all your electronic equipment and music gear too, right down to your stand or case.

Whether you’re a professional earning a living via your instrument, or you play for fun with friends or just at home, we can provide the right musical instrument insurance – giving you the peace of mind to play on, 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, we do. 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 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 & 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 cover 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 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 cover protects against 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 music instrument 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. 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
New Zealand

Musical instrument insurance FAQs

Who can request a musical instrument insurance quote?

Anyone can! Whether you’re a professional musician, teacher, collector, dealer, or simply a hobbyist – our musical instrument insurance is there for anyone who wishes to play on, with the peace of mind that they’re protected.

Does homeowners’ insurance cover musical instruments?

More often than not, home insurance policies have a set limit per item within your household, a set limit for items you can take out of the household and policies often carry an excess. If you rely on home insurance alone, you could 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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