Musical Instruments

Musical Instruments Insurance

Your relationship with your musical instrument is a special one.

At Lark, our musical instrument insurance policy acknowledges the bond between musician and musical instrument.

That is why we ensure our policy provides you with a level of cover that truly reflects the worth of your musical instrument(s) to you.

Cover Benefits:
  • Protection against accidental damage, fire, loss and theft

  • Depreciation cover

  • Cover for electrical and classical instruments

  • Worldwide cover

  • Your choice of repairer

  • Agreed value

  • No excess as standard on classical instruments

  • Cover for hire charges 

Optional covers:

  • Climatic condition cover

  • Unattended vehicle protection

  • Earthquake

Buy Online

We understand that playing a musical instrument is usually not just a passion, but also your livelihood. That is why we provide musicians with the ability to purchase market leading insurance online, 365 days a year.

With our market leading online system you will be able to:

  • Obtain instant quotations.

  • Pay securely online with credit/debit card.

  • Instantly receive your documentation.

Our new system will also allow you to carry out Mid-Term Adjustments online and pay any additional premium securely. You will also have a hassle free renewal as you will be able to review and update your renewal documentation online before having to pay.

Protection while PLAYING Live

After listening to our clients, we have also launched our new public liability cover, to protect you from the risks you face every time you play.

Not Just about Individuals

Lark can cater to all musical equipment insurance needs - from one instrument to a whole orchestra.

At Lark, we know our responsibility to the music industry does not end at just insuring your musical instrument, which is why we have built up relationships with the London Sinfonietta and The Royal College of Music, as well as making sure we attend, and sponsor, some leading music industry events.

By taking the time to stop and listen, we ensure that your musical instrument gets the cover it deserves.

Granted, insurance cannot replace the sentiment or the attachment to a musical instrument, but it can provide some peace of mind. In the event of a claim, while we can't help with the stresses and strains involved in dealing with work commitments and finding the perfect replacement, at least you won't have to worry about any of the financials of replacing your instrument.

The question of whether to insure or not actually poses some bigger questions for musicians. What if I can’t afford to replace my instrument? What if the damage means my instrument has depreciated in value? What would the impact be on my career and future aspirations? Our music insurance team would always advocate seeking advice to ensure that you have considered all the benefits a specialist musical instrument insurance policy can offer to make an educated decision.
Get a quote

If you are visiting the website from Australia please contact EBM for all your musical instrument insurance needs.

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