If your policy renewal is after 1 November 2024 you will be invited to renew your policy with Lark Music. For any questions, head over to our frequently asked questions.
What we insure
We insure all types of musical instruments, equipment and accessories.
Allianz Musical Insurance
As of 1 October 2024 Allianz Musical Insurance closed to new customers following the acquisition by Lark Music, a trading name of Howden UK Brokers Limited.
Specialist cover for your Musical Instruments
Our Music Protect policy has been insuring the UK's musical instruments for over 60 years.
Our policy has been designed to provide insurance for all kinds of musical instruments and equipment against accidental damage, accidental loss and theft. As well as paying for the repair or replacement of your items, we include cover to help you keep performing such as cover for hire of an alternative intrument, pay for your item to be transported to and from your chosen repairer, and most items have no standard excess*.
We include access to a free legal helpline, so whether you are an amateur or professional musician, you can access legal assistance services to support your career and personal life.
From amateurs to experts
Important cover for your stringed instrument whether you’re going to be the next Nicola Benedetti or Sheku Kanneh Mason.
Flexible insurance cover that’ll work for you whether you’re playing descant in a recorder ensemble or bari sax in a funk band.
Adaptable brass instrument insurance for cover wherever you’re playing, whether that’s in the band room or in the bandstand.
Tailorable piano/keyboard insurance so you’re protected whether you’re practicing 4 octave scales at home or playing keys at functions.
Insurance cover for all types of drums and percussion instruments so you don’t ever have to worry about hitting too hard.
Affordable cover for guitars, amps and accessories for all levels of guitarists, whether you’re serenading or shredding.
Versatile cover for all your sound kit, production equipment and everything else you use to make your music – and we mean everything!
Our DJ insurance will cover your equipment for accidental damage, theft, loss and more, leaving you to perform, mix and produce without worry.
Can't find your instrument on our list?
Don't worry, we'll still cover you.
Lines are open Monday to Friday 9am - 5.30pm
Choose the cover you need
Our flexible products mean you can choose the cover you need.
You can choose any one or more of the following products for your policy.
Our Policy Wording
View or download our Policy Wording and Insurance Product Information Documents.
Specialist cover backed by a dedicated musical claims team
Our policy is backed by our expert Musical claims team, so whether your violin is stolen or you drop your guitar on the way off stage, you can be assured of a quick and easily process. Our specialist claims team deal with thousands of musical claims every year and accept over 98% of them, paying out in as little as 24 hours (once we have got all the information we need).
We have been paying musical claims for over 60 years and worked with many of the UKs retailers and repairers. This means we know the importance of the relationships between these specialists and our customers so we allow you to choose your own repairer.
What you're covered for
Theft, loss, and accidental damage
No matter how careful you are with your instrument, accidents are unavoidable - and nobody can help being the target of theft. If the worst ever happens, we'll be there to help you get back to playing.
Unlimited professional use
We'll cover you if you play music as either a professional or semi-pro, whether that's touring with your band or getting paid for performing at a local gig.
Damage in transit
If your instrument or equipment gets damaged while on the move, whether that's on tour or heading to a rehearsal we've got you covered.
Loan instrument hire costs
We know that for many musicians, being without an instrument for any length of time simply isn't an option. With our loan hire cover, you'll always have something to play if your own instrument is lost or damaged.
Free cover for £500 worth of accessories
You'll automatically get up to £500 cover (items valued between £10-£250, with a per claim limit of £500) for musical accessories and anything else you use to play your instrument.
Depriciation after a repair
If after a repair, your instrument has reduced in value due to the damage, we'll cover your instrument for the amount it has reduced by.
Inability to recover from a repairer or consignment seller
We will provide cover if a repairer or retailer to whom you have entrusted an item goes out of business and you cannot recover your item or the proceeds of sale of that item.
Flexible cover to meet your needs
You can choose to insure each item or group of items on a different basis; from premises only to worldwide cover. You can even add cover for items left unattended in a vehicle.
We also don't charge fees to make changes to policy.
Cover for doors, windows & locks
If you suffer a theft or attempted theft of your insured items from your premises, we will pay up to £300 to replace or repair damage to windows, doors and locks.
Speak to one of our musical instrument insurance specialists
Call us on 0330 100 9903
Lines are open Monday to Friday 9am - 5.30pm.
We'll get back to you as soon as we can.
