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A woman in a black dress plays a harp on a dark stage.

Harp Insurance

Our specialist harp insurance protects your instrument, case and accessories against accidental damage, loss and theft.

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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 Harp with Specialist Insurance

Your harp is more than an instrument. Whether you’re practising at home, studying, teaching, rehearsing with an orchestra or performing on stage, our specialist harp insurance gives you peace of mind by protecting it from accidental damage, loss and theft.

What’s Covered with Lark Music Harp Insurance

Whether you play for pleasure, perform professionally or travel with your harp, our insurance is designed to keep your instrument protected. From damage during rehearsals to theft while travelling, we cover the risks that matter most to harpists. Leaving you free to focus on your music.

We understand how important your harp is to your playing and can provide insurance for a range of harp-related instruments and accessories, including:

Harps

Harp cases

Music stands

Sheet music and Accessories

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 harp is played. With Worldwide cover, your instrument is insured wherever your music takes you, with no time restrictions on travel. If you don’t travel with your harp, you can also choose Premises Only cover.

Accidental Damage

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

Theft and Accidental Loss

Whether stolen from your home, a venue, rehearsal space or while travelling, your harp is protected against theft and accidental loss. Optional cover is also available for theft from an unattended vehicle.

Depreciation after a repair

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

Travel Protection

Your harp is covered while travelling in an appropriate protective case, whether you’re heading to lessons, rehearsals, concerts or international performances.

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 harp from a repairer.

Lark Music’s harp insurance helps you play with confidence. Designed for people who make music happen, by people who love music. Whether you’re a student, teacher, orchestral player, solo performer or collector, we offer flexible, cost-effective, specialist cover to suit your needs.

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 Trustpilot to see why harpists and musicians praise our swift, friendly service and flexible policy options.

Our bespoke approach supports everyone from beginner harp players and music students to teachers, orchestral musicians, professional harpist and collectors.

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 harp is in safe hands.

WHEN IT COMES TO CLAIMS, WE PAY QUICKLY
We know being without your harp can disrupt lessons, rehearsals and performances. That’s why we aim to settle approved claims quickly by bank transfer.

WE COVER LOAN INSTRUMENT HIRE COSTS
If your harp is being repaired or replaced, we cover loan instrument hire costs – helping you keep playing while your own instrument is out of action.

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

Public Liability and Personal Accident Cover for Harpists (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 can offer financial support if an injury stops you playing, teaching or performing.

Whether you’re playing in an orchestra, teaching students or performing at events, it’s about having the right protection in place.

A person with long hair plays a wooden harp, seated on a chequered tile floor.

Effortless Insurance

We believe insuring your harp should be quick and easy, so you can get back to practising, performing and enjoying your music.

Whether you’re learning at home, attending lessons, teaching every week, playing in an ensemble or travelling internationally, our cost-effective harp insurance keeps your instrument 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

Get a quote Call us

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Looking for harp insurance 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

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Harp insurance FAQs

How can I insure a harp?

Insuring your harp 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 you insure my harp collection?

If you have a passion for fine musical instruments, we understand that your collection of harps 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, get in touch with our specialist team for a quote.

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¹ No excess applies to Keynote insurance product only

² 95% claims payout rate based on claims between November 2024 and November 2025

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Lark Music is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.