Close-up of a saxophone resting on the keys of a piano.
Close-up of a saxophone resting on the keys of a piano.

Insurance for Instrument Collectors

Our specialist collectors insurance protects valuable musical instruments and collections against accidental damage, loss, theft and more.

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Bespoke cover tailored for your collection
No excess on musical instruments
Extensions for climatic conditions and earthquake cover
Dedicated UK claims and customer service teams
Premises only, Country of residence or Worldwide cover
Trusted by musicians, rated 4.8/5 on Trustpilot
Cover for instruments whilst on loan to players
We pay 95% of all claims received 1

Protect Your Collection with Specialist Insurance

Your musical instrument collection represents years of passion, dedication and investment. Whether your instruments are kept at home, stored at another premises, displayed, played or loaned to musicians, our specialist collectors insurance gives you peace of mind by protecting your collection against accidental damage, loss, theft and more.

What’s Covered with Lark Music Collectors Insurance

Whether you collect rare instruments, vintage pieces, valuable modern instruments or a mixture of different types, our insurance is designed to keep your collection protected. From accidental damage at home to loss or theft while an instrument is out on loan, we cover the risks that matter most to musical instrument collectors. Leaving you free to enjoy and preserve your collection.

We understand how important every part of your collection is and provide insurance for musical instruments and associated equipment including the following:

String instruments
Brass instruments
Woodwind instruments
Guitars
Pianos and keyboards
Percussion instruments
Electronic musical instruments
Bows and cases
Accessories and associated equipment
Rare, vintage and valuable musical instruments

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

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Worldwide Protection

Choose Country of residence or Worldwide cover and tailor your policy to where your collection is kept and used. With Country of residence or Worldwide cover, your instruments can remain protected when they leave your premises, including when travelling or out on loan. If instruments in your collection don’t travel, you can also choose Premises Only cover.

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Accidental Damage

From an instrument being knocked or dropped to accidental damage while being handled, transported or played, accidents can happen. Your policy covers accidental damage, helping you repair or replace an instrument without the financial stress.

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Theft and Accidental Loss

Whether an instrument is stolen from your home, chosen premises or while away from your collection, your instruments can be protected against theft and accidental loss. You can also choose optional cover for theft from an unattended vehicle, earthquake or climatic conditions.

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Depreciation after a repair

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

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Travel Protection

Your instruments can be covered while travelling in appropriate protective cases, whether you’re transporting them within the UK or taking them overseas, with no time restrictions on travel.

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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 an instrument from a specialist repairer or vendor.

Lark Music’s collectors insurance is designed for people who want simple, specialist protection for valuable musical instruments. Whether you own a small collection of treasured instruments or have spent years building a substantial collection, we offer flexible cover tailored around how and where your instruments are kept, played and loaned.

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 and collectors trust for tailored, specialist insurance. Read our reviews on Trustpilot to see why our customers praise our swift, friendly service and flexible policy options.

Our bespoke approach allows us to understand your collection, its value and how your instruments are stored and used, so your cover can be tailored around your individual requirements.

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 collection, with optional extras such as unattended vehicle cover, earthquake cover and protection against climate conditions.

CHOOSE YOUR  EXPERT FOR VALUATION OR REPAIRS
If you need your collection valued or need to make a claim, you’re free to choose a specialist  you trust – giving you confidence that a valuable instrument from your collection is in safe hands.

WHEN IT COMES TO CLAIMS, WE PAY QUICKLY
We know damage, loss or theft involving a valuable instrument can be distressing. That’s why we aim to settle approved claims quickly, helping you arrange repairs or seek a suitable replacement.

WE COVER LOAN INSTRUMENT HIRE COSTS
If an instrument from your collection is being repaired or replaced, we can cover loan instrument hire costs – helping ensure musicians who rely on the instrument can continue to play.

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

Public Liability and Personal Accident Cover for Musical Instrument Collectors (Additional Cover Options)

When instruments from your collection are played, demonstrated or used at events, it’s important to consider protection beyond the instruments themselves. 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 instruments from your collection are played privately, loaned to musicians, used at concerts or taken to events, it’s about having the right protection in place for both you and your collection.

Effortless Insurance

We believe insuring your musical instrument collection should be straightforward, with specialist support available to help you arrange the right level of protection.

Whether your instruments are kept at home, stored at a chosen premises, loaned to musicians or taken overseas, our specialist collectors insurance keeps your collection protected wherever your instruments need to be.

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
Close-up of a row of guitar necks and headstocks with the text
Close-up of a row of guitar necks and headstocks 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 95% claims payout rate based on claims between November 2024 and November 2025