Close-up of a drummer's hands playing a drum set, with motion blur capturing the action and energy of the performance.
Close-up of a drummer's hands playing a drum set, with motion blur capturing the action and energy of the performance.

Drums insurance

Our specialist drum insurance protects your drum kit, cymbals, percussion, electronic drums and accessories against accidental damage, loss and theft.

Get a quote
Policies from just £25 a year
No excess on musical instruments 1
Accidental damage, loss and theft
Dedicated UK claims and customer service teams
UK, Worldwide, or Premises only cover
Trusted by musicians, rated 4.8/5 on Trustpilot
Get a quote online in under 5 minutes
We pay 95% of all claims received 2

Protect Your Drums with Specialist Insurance

Your drum kit is the heartbeat of your sound. Our specialist drum insurance gives you peace of mind, protecting your drums and percussion from accidental damage, loss and theft whether you’re practising at home, recording in the studio, rehearsing with a band or performing on stage.

What’s Covered with Lark Music Drum Insurance

Whether you’re a beginner drummer, session musician, teacher, percussionist, collector or touring performer, our insurance is designed to help keep your kit protected. From accidental damage during rehearsal to theft while travelling between gigs, we cover the risks that matter most to drummers. Leaving you to focus on the music.

We understand all the essential parts of your setup and can provide insurance for a wide range of drums, percussion and equipment, including:

Acoustic drum kits
Electronic drum kits
Snare drums
Bass drums
Toms and floor toms
Cymbals
Hi-hats
Drum hardware
Drum pedals
Drum machines
Drum pads
Timpani and orchestral percussion
Congas, bongos and hand percussion
Drum cases and accessories

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

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Worldwide Protection

Choose UK or Worldwide cover and tailor your policy to where your drums are played. With Worldwide cover, your kit is insured wherever your music takes you, with no time restrictions on travel. If you don’t travel with your drums, you can also choose Premises Only cover.

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Accidental Damage

From knocks during setup to damage in rehearsal rooms, studios or venues, accidents happen. Your policy covers accidental damage, helping you repair or replace your drums without the financial stress.

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Theft and Accidental Loss

Whether stolen from your home, rehearsal space, venue or while travelling, your drums and percussion are protected against theft and accidental loss. Optional cover is also available for theft from an unattended vehicle.

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Depreciation after a repair

If your drums or percussion are damaged and professionally repaired, we’ll reimburse you for any permanent loss in their market value.

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Travel Protection

Your drums are covered while travelling in appropriate protective cases, whether you’re heading to rehearsals, recording sessions, local gigs or international performances.

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Postage and Travel Costs covered

In the event of a claim, we’ll cover reasonable postage, courier and travel expenses for you to deliver and collect your drums or equipment from a repairer.

Lark Music’s drum insurance helps you stay on beat. Designed for people who make music happen, by people who love music. Whether you’re learning, teaching, recording, gigging, touring or building a collection, we offer flexible, cost-effective, specialist cover to suit your needs.

Why Choose Lark Music

We’ve been protecting musical instruments and equipment for over 35 years. During that time, we’ve built a reputation musicians trust for tailored, specialist insurance. Read our reviews on Trustpilot to see why musicians praise our swift, friendly service and flexible policy options.

Our bespoke approach supports everyone from beginner drummers and music students to teachers, session musicians, percussionists, touring performers and collectors.

OVER 35 YEARS EXPERIENCE
We’ve been providing cover for musical instruments and equipment for over 35 years.

FLEXIBLE COVER WITH OPTIONAL ADD-ONS
Choose the level of cover to suit your needs, with optional add-ons such as unattended vehicle cover, personal accident and public liability cover.

CHOOSE YOUR OWN REPAIRER
If you need to make a claim, you’re free to choose a repairer you trust – giving you confidence your kit is in safe hands.

WHEN IT COMES TO CLAIMS, WE PAY QUICKLY
We know being without your kit can disrupt rehearsals, recordings and live performances. That’s why we aim to settle approved claims quickly by bank transfer.

WE COVER LOAN INSTRUMENT HIRE COSTS
If your kit is being repaired or replaced, we cover loan instrument hire costs – ensuring you never miss out on having an instrument to play.

14 DAYS TO CHANGE YOUR MIND
No cancellation fees and 14 days to change your mind after you buy your drum insurance policy – giving you total confidence and flexibility.

Public Liability and Personal Accident Cover for Drummers (Additional Cover Options)

When you’re performing, teaching or playing in public, the focus should be on the music, not what could go wrong. Public Liability cover helps protect you if your performance or equipment causes injury or damage, while Personal Accident cover can offer financial support if an injury stops you playing, teaching or performing. 

Whether you’re playing live, teaching students or working at events, it’s about having the right protection in place.

A person plays a drum kit on stage with drumsticks, surrounded by colourful stage lighting and microphones.

Effortless Insurance

We believe insuring your drums should be quick and easy, so you can get back to practising, recording and performing.

Whether you’re playing at home, rehearsing with a band, teaching every week, recording in the studio or touring internationally, our cost-effective drum insurance keeps your kit protected.

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

Simply call 0333 188 6582 or click the button below to get a quote and set up your bespoke policy
A drummer wearing sunglasses plays drums outdoors with the text
A drummer wearing sunglasses plays drums outdoors with the text
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
• Singapore
• Israel
• Switzerland
• Korea
• USA

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