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Two people adjusting equipment in a recording studio, one holding headphones and the other adjusting a microphone stand.

Musical Equipment Insurance

Our specialist musical equipment insurance protects PA systems, microphones, speakers, amplifiers, recording equipment and accessories against accidental damage, loss and theft.

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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 Musical Instruments and Equipment with Specialist Insurance

Your musical equipment can be just as important as the instrument itself. Whether you’re practising at home, recording in a studio, teaching, rehearsing or performing live, our specialist musical equipment insurance protects your gear against accidental damage, loss and theft.

What’s Covered with Lark Music Insurance

Whether you perform professionally, produce music, teach or play for pleasure, our insurance is designed to keep your musical equipment protected. From damage during rehearsals to theft while travelling, we cover the risks that matter most to musicians, performers and producers. Leaving you free to focus on your music.

We understand how important your equipment is and provide insurance for musical gear, including the following:

PA Systems

Microphones

Speakers and Amps

Recording Equipment 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 musical equipment is used. With Worldwide cover, your gear is insured wherever your music takes you, with no time restrictions on travel. If your equipment stays in one location, you can also choose Premises Only cover.

Accidental Damage

From equipment being knocked over during rehearsals to damage while setting up for a performance, accidents can happen. Your policy covers accidental damage, helping you repair or replace your musical equipment without facing the full cost yourself.

Theft and Accidental Loss

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

Depreciation after a repair

If your musical equipment is damaged and professionally repaired, we’ll reimburse you for any permanent loss in its market value.

Travel Protection

Your musical equipment is covered while travelling in an appropriate protective case where applicable, whether you’re heading to rehearsals, recording sessions, performances or international events.

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 equipment from a repairer.

Lark Music’s musical equipment insurance is designed for musicians, performers and producers who need simple, specialist protection. Whether you use your gear professionally or for pleasure, we offer flexible, cost-effective cover so you can continue making music 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 musicians praise our swift, friendly service and flexible policy options.

Our bespoke approach supports everyone from hobby players and students to professional musicians, educators, collectors and touring performers.

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 equipment is in safe hands.

WHEN IT COMES TO CLAIMS, WE PAY QUICKLY
We know being without your musical equipment can be stressful. That’s why we aim to settle approved claims quickly by bank transfer.

WE COVER LOAN INSTRUMENT HIRE COSTS
If your musical equipment is being repaired or replaced, we cover loan instrument and equipment hire costs – helping you keep playing while your own equipment is out of action.

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

Public Liability and Personal Accident Cover for Musicians (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 is there for you – offering financial support if an injury stops you playing, teaching or performing.

Whether you’re playing live, working with students or attending events, it’s about having the right protection in place, so you can keep the music going with confidence.

Electric guitar, amplifier, tambourine, and a song set list on the floor in a dimly lit music performance space.

Effortless Insurance

We believe insuring your musical equipment should be quick and easy, so you can get back to playing, practising and performing.

Whether you’re learning at home, teaching every week, recording in the studio or touring internationally, our cost-effective musical equipment insurance keeps your musical gear and equipment 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

Get a quote Call us

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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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Musical equipment insurance FAQs

What does musical equipment insurance cover?

Musical equipment insurance can protect a wide range of equipment against risks such as theft, accidental damage, fire, flood and loss, depending on your policy. Whether you rely on microphones, amplifiers, speakers, mixers, PA systems or recording equipment, having the right cover means you can keep making music with confidence.

Can I insure both my instruments and musical equipment on one policy?

In many cases, yes. If you use both instruments and supporting equipment, it often makes sense to arrange cover that protects everything together. Our team will help you build a policy that reflects the way you perform, record or teach, so your equipment is protected wherever your music takes you.

Is musical equipment insurance worth it?

For many musicians, replacing damaged or stolen equipment can be expensive and disruptive. Musical equipment insurance helps protect the gear you rely on, whether you’re rehearsing, recording, teaching or performing, so an unexpected incident doesn’t stop you from making music.

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¹ Excess is payable on the first £25 of each claim involving in-ear monitors, earbuds and headphones and the first £100 of each claim involving non-musical contents or computer equipment and mobile phones

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

For the
love of music

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Lark Music is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.