Guitar Insurance

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Protect yourself and your instrument with guitar insurance from Lark Music

As one of the most played and loved musical instruments in the world, we know how important your guitar is to you. Make sure it’s fully protected with the right insurance policy.

Incidents such as propping your guitar against a chair, only to see it slide off and damage the neck, your strap breaking mid gig resulting in your guitar crashing to the ground, or even leaving your guitar tuned and ready on-stage, for it then to be taken, are all common risks every guitarist faces.

Whether you’re touring, teaching, recording or playing in a basement with your band, our specialist guitar insurance can ensure that you are correctly covered for any eventuality. So, this leaves you to get on with what you do best – writing or playing music. Our insurance can provide cover for any type of guitar and with three levels of cover available we can provide a guitar insurance policy that suits you.

Over 25 years supporting guitarists with bespoke guitar insurance.


What our guitar insurance includes
  • No claims discount of up to 20%
  • Accidental damage, fire, theft, flood and loss cover as standard
  • Three levels of cover: private premises, country of residence, and worldwide
  • Hire costs covered following a claim, up to £3,000 or 20% of your sum insured
  • Cover whilst in transit by car, air or freight (refer to Policy Wording for terms)
  • Short-term cover included for instruments that you do not own, but that you are legally liable for, for up to 60 days and up to £50,000 sum insured
  • Cover for your accessories, cases, leads, pedals, amps etc
  • Unlimited professional use
  • Unlimited worldwide cover
  • No time restrictions on travel
  • Loss of value following a claim
  • Optional £2m or £5m Public Liability for musicians

Optional cover against theft from an unattended vehicle; earthquake outside of the UK; or climate conditions.

“Lark Music is great. They totally get all the issues around the music profession and are very friendly and helpful. I’m very glad I moved to Lark. My former instrument insurance company was perfectly pleasant to deal with, but Lark Music offers far more competitive quotes while being more knowledgeable.”


Customer feedback via Feefo.

Live concert

Have you thought about Public Liability for musicians?

If you are performing outside, at a venue or even at your home, you need to have a Public Liability insurance policy. You can add this to your guitar insurance policy when you buy with us.

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Give us a call
020 3846 5271
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Is my guitar covered with my home insurance?

Home insurance may cover the guitar as standard contents, however there may be restrictions such as:

  • Professional usage
  • Limitations on travel and cover outside of the home
  • Value limitations
  • Higher excesses

Because of this, guitar insurance might be better suited to protecting your guitar.

What is the difference between the three levels of guitar insurance cover?

Our three levels of insurance provide options to suit all types of musicians or collectors:

  • Private premises is perfect for those who aren’t taking their guitar out of their home. Perhaps you’re not performing publicly, or you’re a collector. This policy provides all the elements of cover listed here but only when your guitar is at the private premises listed on your policy.
  • Country of residence is more suited to those who will be travelling with their instrument outside of the home but still in the UK. Country of residence guitar insurance allows you to travel without restriction within the country, so whether you’re going to another city or just on a bus to your local venue to perform, your instrument will be protected.
  • Worldwide provides cover anywhere in the world for any period of time, including whilst in transit by plane, train, boat or car.


Am I covered if I’m travelling?

Yes. Travel is covered with our guitar insurance policy with no restrictions on where you can travel and how long you travel for (dependant on whether you have worldwide or country of residence cover). Please note, your instrument must be in a hard protective case if in transit by plane, cargo or similar for your insurance to be valid when travelling.

Can I cover multiple guitars on one guitar insurance policy?

Yes, you can cover as many instruments as you like under one insurance policy. You can also include all of your accessories, cases, leads, pedals, amps etc.

Which currencies do you accept?

We work with clients worldwide and accept Sterling, Euros and US Dollars when purchasing your policy.

How do I make a claim?

We have an in-house Claims team for our guitar insurance policies, so you can contact us straight away instead of being on hold to a call centre. If in the unfortunate event you need to make a claim you can either contact your Account Handler directly or our Claims team:

T:  +44 20 8557 2314

E: [email protected]

Musical instruments

Do you need another type of musical instrument insurance?

Whether you play the piano, piccolo, clarinet, ukulele, saxophone, xylophone or anything in between, we can provide musical instrument insurance cover to suit your requirements.

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