For the love of music

We can help you find the right musical instrument insurance, whether you have just one or an extensive collection.

Musical instrument insurance practised to perfection

Lark Music is delighted to have formed a pitch-perfect duo with Music and Drama Education Expo to sponsor the Chill and Charge Area at this year’s event.

For more than 25 years, we’ve been helping musicians and music lovers protect what they care about most -: their instruments. We understand the diversity of the music sector, so we protect all musical instruments across every type of genre, whether you play professionally or for fun.

Maybe you’re a student just starting out, a full time professional musician or educator. Whatever you do, and whatever stage you’re at, we can offer flexible policies allowing you to choose the cover that leaves you safe in the knowledge that your prized musical instruments and equipment are protected. With our team of music experts, we’re committed to providing an industry leading level of service and cover that protects what musicians love.

Our specialist team can tailor our service to you, from quick online quotes to bespoke policies. We’re here to offer you high quality and cost-effective musical instrument insurance from a broker who loves music as much as you do. And because we share your passion for music, we always respond rapidly in the event of a claim – so you can get back to playing.

Logo reading "music & drama education expo" in yellow and white on a blue background with a yellow border.

Choose your service and get a quote:

Keynote

Quick and easy musical instrument insurance for musicians of all abilities

Signature

Bespoke, personal musical instrument insurance for professionals and exceptionally valuable instruments

Service so easy you’ll want an encore

We love music as much as you do, so we play our part in helping you create it. That’s why our music instrument insurance hits all the right notes. Whether you’re practising at home, playing with friends, teaching, recording, or performing on stage, we’ll get you covered quickly and easily.

Simply call 0333 188 6582 or click the button below
to get a quote and set up your bespoke policy

GET A QUOTE DISCOVER MORE

DO YOU LIVE OUTSIDE THE EU OR UK?

Cover for core risks

All our musical instrument insurance covers fire, theft, flood, and accidental damage.

When we pay claims, we do it quickly

We know you won’t want to wait after a claim, so we settle the approved amount quickly by bank transfer.

14 days to change your mind

We don't charge any cancellation fees for the first 14 days after you buy one of our musical equipment insurance policies.

Molto espressivo. That’s how we describe our service.

When you devote your life to music, you need someone who understands that dedication. At Lark Music, that’s our gig. And that’s why we offer a bespoke personal service for professional musicians, collectors, makers and dealers.

We’ll talk to you directly so we can assess your needs and tailor your music instrument insurance policy to give you perfectly pitched protection.

Simply call 020 3846 5271 or click the button below
to get a quote and set up your bespoke policy

GET A QUOTE DISCOVER MORE

DO YOU LIVE OUTSIDE THE EU OR UK?

Personal service and rapid responses

Speak to someone who understands your world. Our specialist advisors can make instant policy changes over the phone and respond to emails quickly.

Three levels of cover available*

We know every musician is different so our musical instrument coverage comes in three levels to suit your individual needs.
^{*Please note, our three levels of cover are only available when purchased offline with our team.}

We cover costs that come with claiming

We understand some claims come with extra costs, such as travelling to a specialist vendor or repairer, so we’ll cover these too.*
*Reasonable costs will be covered which is decided by Lark Music and the insurer.

Based outside of the UK or EU? We can still help

The love of music unites people wherever they are in the world, so at Lark Music we’ve made our Musical Instrument insurance available to those who live outside the UK and EU with our specialist, personal service.

Our team has worked with musicians worldwide for many years and are happy to help you find the policy that best suits you. Simply fill in our online form and we’ll get back to you at a time of your choosing.

We can cover musicians in:

• Hong Kong
• Singapore
• New Zealand
• Israel
• Switzerland
• Korea
• USA
• Australia

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Why choose Lark Music for Musical Instrument insurance?

If you’re browsing insurance for your musical equipment, look no further than Lark Music. We’ve been singing from the same song sheet as our customers for over 25 years. See for yourself by taking a look at our reviews on Feefo, given by musicians from all over the world.

Music isn’t just our business; it’s our passion. That’s why we’ve partnered with charities such as the Independent Society of Musicians (ISM), the Young Classical Artists Trust (YCAT) and the European String Teachers Association (ESTA).

If our offering sounds like music to your ears, get a musical instrument insurance quote today.

Musical instrument insurance FAQs

Is musical instrument insurance worth it?

That all depends on who you are, what instruments or equipment you own, and how often you play. Insurance for musical equipment is certainly recommended if you’re a professional musician whose livelihood depends on your instruments or gear.

Even for amateurs and hobbyists, musical equipment insurance provides valuable cover for expensive or cherished instruments. If you love what you do or what you play with, we’d argue that’s well worth protecting.

What's covered by music equipment insurance?

Our musical instrument insurance policies cover many of the core risks associated with musicians and equipment, wherever you are in the world. The main ones are fire, flood, and accidental damage, as well as loss and theft. You can also add Unattended Vehicle cover, Climatic Conditions cover and more to your policy if you so wish.

For more information and wording on our cover, read our policy documents here.

How much does musical instrument insurance cost?

Different musical equipment insurance companies will have their own rates but our quotes are based on a few key factors. These usually include:

The number of instruments, items, equipment, and accessories you want to insure
The value of your items
Any no-claims discount you’ve accrued

Can I get short-term or temporary musical instrument insurance?

Yes, we offer temporary cover for instruments on loan worth up to £50,000. If you’re already a policyholder, you may add these items for up to 60 days for free. This is useful if you’re trying before you buy or renting your instruments to others.

Who can get music instrument insurance?

Anyone can! Whether you’re a professional musician, teacher, collector, dealer, or simply a hobbyist, our musical instrument coverage is there for anyone who wishes to play on with the peace of mind that comes with insurance.

Are musical instruments covered by contents insurance?

Home insurance policies usually aren’t flexible enough to give your instruments and equipment the cover they deserve. Most have a set limit per item within your household and a set limit for items you can take out of the household, as well as often carrying a sizeable excess.

If you rely on home insurance alone, you may be at risk of losing out if anything happens to your musical instrument. At Lark Music, we understand the importance of protecting your prized possessions – that’s why we offer a bespoke personal service to ensure you have the perfect protection in place for your instruments.

For the
love of music

Useful Links

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.