Musicians in formal attire playing violins and reading sheet music, viewed from above in a concert hall setting.
Musicians in formal attire playing violins and reading sheet music, viewed from above in a concert hall setting.

Orchestra Members Insurance

Our specialist orchestra members insurance protects your instrument, case and accessories against accidental damage, loss and theft, without relying on a group policy.

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 Instrument with Specialist Orchestra Insurance

Your instrument is an essential part of playing in an orchestra. Whether you’re rehearsing, performing in concert halls, recording, teaching or touring with an ensemble, our specialist orchestra members insurance gives you peace of mind by protecting your instrument from accidental damage, loss and theft.

What’s Covered with Lark Music Orchestra Members Insurance

Whether you play in an orchestra professionally, as a student or for pleasure, our insurance is designed to keep your instrument protected. From damage during rehearsals to theft while touring, we cover the risks that matter most to orchestra members. Leaving you free to focus on your performance.

We understand how important every part of your instrument is and provide insurance for orchestra members and their equipment including the following:

String instruments
Woodwind instruments
Brass instruments
Percussion instruments
Pianos and keyboards
Bows and instrument cases
Mutes and other accessories
Sheet music and accessories
Music stands
Rented instruments

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 you rehearse and perform. With UK or Worldwide cover, your instrument is insured wherever your orchestra takes you, with no time restrictions on travel.

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Accidental Damage

From knocks during rehearsals to damage while setting up for a concert, accidents can happen. Your policy covers accidental damage, helping you repair or replace your instrument without the financial stress.

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Theft and Accidental Loss

Whether stolen from your home, a concert venue, rehearsal space or while travelling, your instrument is 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 instrument is damaged and professionally repaired, we’ll reimburse you for any permanent loss in its market value.

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Travel Protection

Your instrument is covered while travelling in an appropriate protective case, whether you’re heading to rehearsals, concerts, recording sessions 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 instrument from a repairer.

Lark Music’s orchestra members insurance is designed for musicians who want simple, specialist protection. Whether you’re a student, professional orchestral musician, freelancer, teacher or amateur player, we offer flexible, cost-effective cover so you can rehearse, perform and tour with confidence.

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 orchestra members and musicians praise our swift, friendly service and flexible policy options.

Our bespoke approach supports everyone from professional orchestral musicians and teachers to students, freelancers and amateur players.

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 instrument is in safe hands.

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

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

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

Public Liability and Personal Accident Cover for Orchestra Members (Additional Cover Options)

When you’re rehearsing, performing or playing at events, the focus should be on your music, not what could go wrong. Public liability cover helps protect you if your playing or equipment causes injury or damage, while Personal Accident cover is there for you – offering financial support if an injury stops you performing.

Whether you’re playing in concert halls, theatres, festivals, recording studios, schools or other performance venues, it’s about having the right protection in place, so you can continue performing with confidence.

Effortless Insurance

We believe insuring your instrument should be quick and easy, so you can get back to practising, rehearsing, touring and performing.

Whether you’re rehearsing locally, performing professionally or touring internationally with an orchestra, our cost-effective orchestra members insurance keeps your instrument protected at all times.

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 person sitting on a blue sofa holds a saxophone, with the text
A person sitting on a blue sofa holds a saxophone, 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

Latest news

1 No excess applies to Keynote insurance product only

2 95% claims payout rate based on claims between November 2024 and November 2025