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

Musical Equipment Insurance

Our specialist musical instrument insurance protects your instruments, accessories and equipment against accidental damage, loss, theft and more.

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 Feefo
Get a quote online in under 5 minutes
We pay 95% of all claims received 2

Protect Your Musical Instruments with Specialist Insurance

Your instrument is at the heart of what you do. Our specialist musical instrument insurance gives you peace of mind, protecting your equipment from accidental damage, loss and theft whether you’re practising at home, teaching, recording, performing or travelling.

What’s Covered with Lark Music Musical Instrument Insurance

Whether you play for fun, perform professionally, teach, collect or tour internationally, our insurance is designed to help keep your instruments protected. From accidental damage during rehearsal to theft while travelling, we cover the risks that matter most to musicians. Leaving you to focus on the music.

We understand how important your instruments and equipment are, which is why we can provide cover for a wide range of musical items, including:

String instruments
Guitars and amps
Woodwind instruments
Brass instruments
Pianos and keyboards
Drums and percussion
Electronic instruments
PA systems
Microphones and speakers
Music accessories and equipment

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 instruments are played, with no time limits on travel. If you don’t travel with your equipment, you can also choose Premises Only cover.

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Accidental Damage

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

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Theft and Accidental Loss

Whether stolen from your home, a venue or while travelling, your instruments and equipment 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 musical equipment 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 appropriate protective cases, whether you’re heading to rehearsals, lessons, performances, recording sessions 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 equipment from a repairer.

We believe insuring your musical instruments 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 instrument insurance keeps your instruments and equipment protected.

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 Feefo 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 instrument is in safe hands.

WHEN IT COMES TO CLAIMS, WE PAY QUICKLY
We being without your instrument can be stressful. 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 musical instrument 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.

Effortless Insurance

We believe your musical instruments 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 instrument insurance keeps your instruments 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
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Person in camouflage shirt wearing headphones and speaking into a microphone in a home or studio setting. Text overlay reads
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

DJ 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.

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