Close-up of a person playing an electric guitar, focusing on their hands and the guitar’s fretboard, with colored lighting.
Close-up of a person playing an electric guitar, focusing on their hands and the guitar’s fretboard, with colored lighting.

Guitar Insurance

We cover all guitars, from electric to acoustic, and our specialist guitar insurance protects against accidental damage, loss and theft.

Get a quote
Policies from just £25 a year
Accidental damage, loss and theft
UK, Worldwide, or Premises only cover
Get a quote online in under 5 minutes
No excess on musical instruments 1
Dedicated UK claims and customer service teams
Trusted by musicians, rated 4.8/5 on Feefo
We pay 95% of all claims received

Protect Your Guitar with Specialist Insurance

Our specialist guitar insurance gives you peace of mind, protecting it from accidental damage, loss, and theft  whether you’re practising at home, recording in the studio or performing on stage.

What’s Covered with Lark Music Guitar Insurance

Whether you play at home, perform on stage or travel the world with your guitar, 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.

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

Cover core risks icon in black.

Worldwide Protection

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

Spanner icon in black.

Accidental Damage

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

Pound sign icon in black with black strikethrough line passing through pound sign.

Theft and Accidental Loss

Whether stolen at home, on the road or in transit, your guitar is protected against theft and accidental loss. Optional cover is also available for theft from an unattended vehicle.

Icon of a black shield with pound sign inset.

Depreciation after a repair

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

Icon of an airplane in black.

Travel Protection

Your guitar is covered while travelling in appropriate protective cases, whether you’re heading to local gigs, rehearsals or international tours.

Car icon in black.

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 guitar from a repairer. 

Lark Music’s Guitar insurance is note perfect – designed for people who make music happen, by people who love music. Whether you’re a professional on the world stage, a beginner with your very 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 guitar insurance. Read our reviews on Feefo 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 luthiers, collectors and dealers.

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 guitar insurance policy — giving you total confidence and flexibility.

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

When you’re performing, rehearsing or travelling with your guitar, 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, while Personal Accident cover can offer financial support if an injury stops you from playing.

Whether you’re gigging regularly, performing at private events or taking your guitar on the road, Lark Music can help you put the right protection in place.

Effortless Insurance

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

Whether you’re touring, teaching, recording or just playing with friends, our cost-effective insurance will keep your guitar 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
A man plays an acoustic guitar and sings into a microphone with the text
A man plays an acoustic guitar and sings into a microphone 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, through our specialist and personal service, we can also offer you guitar insurance if you live outside of the UK or EU. Our team has worked with musicians worldwide for many years and will be happy to help you find the policy that suits you best. Simply complete our online form and we’ll get back to you at a time that suits you.

We can cover musicians in:

Hong Kong
Singapore
Israel
Switzerland
Korea
USA

Guitar insurance FAQs

Is guitar insurance worth it?

Whether you’re considering guitar insurance as a professional or on behalf of a young learner, it’s recommended that you have cover in place to limit any costly repairs or replacements further down the line.

Your child might be on the move, you might be attending regular sessions, or you might work as a professional, requiring insurance for electric, bass or acoustic guitars. Alternatively, you may be a collector who requires guitar insurance to protect heritage guitars.

You can take comfort in our ongoing dedication to the music industry, thanks to our partnerships with charities like the Independent Society of Musicians (ISM), the Young Classic Artists Trust (YCAT) and the European String Teachers Association (ESTA). These partnerships help us to cement our knowledge in the field, allowing us to give you the best experience possible when acquiring guitar insurance.

Does contents insurance cover guitars?

While musical instruments can be insured under home insurance, that doesn’t mean they should.

Musical instruments like guitars deserve specialist care and attention. It’s always best to insure your precious instruments with specialists, like us. What’s more, a standard home insurance policy may pay out far less than the value of your guitar (especially if you have a heritage collection), leaving you not only doloroso but out of pocket too.

How can I insure my guitar?

Insuring your guitar is easy. As we offer a bespoke service, the first step is getting in touch. From there we can assess what type of cover you need and put together a tailor-made policy. No musician is the same, so neither is our cover.

Can I insure my guitar collection?

If you have a passion for fine musical instruments, we understand that your collection of guitars is both financially and personally valuable. So, if you’d like to protect your wonderful collection with the best insurance in the business, you’ve come to the right place.

To protect your treasured instruments, whether that’s with heritage or electric guitar insurance, get in touch with our specialist team for a quote.

How can I insure my guitar collection?

Getting the right insurance for your guitar collection is easy thanks to our simple process. We’ll ask for a few details about you and any instruments you would like to insure.
Fill in our form below and before long a member of our teamsomeone will shortly be in touch with your bespoke quote. If you have any enquiries, you can speak with an advisor on 020 3846 5271 or ask us to call at a time that works for you.

Can you insure guitar transport?

When you insure a guitar or collection with us, you’ll be covered for travel if they’re transported in a hard case. No strings attached. We understand that securing guitar travel insurance to protect your equipment means added peace of mind.

Do you include guitar shipping insurance?

Yes, with our guitar insurance, your instruments are covered to be shipped and couriered. So, you can have peace of mind when shipping your guitar from A to B with our insurance in place.

Do I need a guitar appraisal for insurance?

Yes, you will need to undergo a guitar appraisal when seeking insurance from us. We accept:
• The receipt value
• The list price
• Similar instrument value
• A professional valuation

What are your three levels of cover?

We offer Global, National or Home cover for your guitar insurance policy, allowing you to choose the risk level that matches your preferences.
You can view our policy documents for more information.

Latest news

1 No excess applies to Keynote insurance product only