Close-up of hands playing a wooden piano, with sheet music placed on the music stand.
Close-up of hands playing a wooden piano, with sheet music placed on the music stand.

Piano Insurance

Our specialist piano insurance protects your grand, upright, digital and all other types of pianos 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 Piano with Specialist Insurance

Our specialist piano insurance gives you peace of mind, protecting your instrument from accidental damage, loss and theft  whether it’s kept at home, used for teaching, played professionally or taken to performances.

What’s Covered with Lark Music Piano Insurance

Whether you play at home, teach students, perform live or travel with a stage piano, our insurance is designed to give you confidence that your instrument is fully protected. From accidental knocks to theft or loss, we cover the risks that matter most to musicians, so you can focus on playing, not worrying.

We understand the value of your piano and provide insurance for all types, including:

Grand pianos
Upright pianos
Digital pianos
Keyboards
Piano accessories (e.g., benches, stands)

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

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Worldwide Protection

Choose UK or Worldwide cover to suit your needs. With Worldwide cover, your piano is insured wherever your music takes you, with no time restrictions on travel. If you don’t travel with your piano, you can also choose Premises Only cover.

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Accidental Damage

From slips on stage to knocks in the practice room, accidents happen. Your policy covers accidental damage, ensuring your piano can be repaired or replaced without the financial stress.

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Theft and Accidental Loss

Whether stolen at home, on the road or in transit, your piano 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 piano is damaged and professionally repaired, we’ll reimburse you for any permanent loss in its market value.

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Travel Protection

Your piano is covered while travelling appropriately protected, whether you’re heading to local gigs, rehearsals or international tours.

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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 piano from a repairer.

Lark Music’s piano insurance is note perfect – designed for people who make music happen, by people who love music. Whether you’re a professional pianist, a teacher, a beginner with your first instrument, or a collector, dealer or instrument-maker, we offer flexible, cost-effective and specialist cover that means you can play on, protected.

Why Choose Lark Music

We’ve been protecting musical instruments for over 35 years. Over that time, we’ve struck a chord with passionate music lovers in need of tailored piano insurance. Read our reviews on Trustpilot and see for yourself. We’ve been praised for our swift and courteous service, as well as our extensive policy options.

Our bespoke service has helped everyone from professional musicians to teachers, collectors, dealers and instrument-makers.

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 downtime costs you gigs. 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 play.

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

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

When you’re performing, teaching or travelling with your piano, the focus should be on playing – not worrying about what could go wrong. Public Liability cover can help protect you if your equipment causes injury or damage during a performance or lesson, while Personal Accident cover can offer financial support if an injury stops you from playing.

Whether you’re teaching regularly, performing at private events or taking a stage piano on the road, Lark Music can help you put the right protection in place.

Close-up of a person playing a grand piano, with their hands and piano keys reflected on the glossy surface.

Effortless Insurance

We believe insuring your piano should be quick and easy, so you can get on with playing it.

Whether you’re teaching, touring, recording, performing or simply playing at home, our cost-effective insurance will keep your piano covered at all times. Because while you may play it by ear, we don’t.

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
Person sitting at a blue piano outdoors with potted plants on top, text overlay says
Person sitting at a blue piano outdoors with potted plants on top, text overlay says
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