Musical Instruments


Helping to ensure you can continue making music.

FAQ Area Contact Lark Music

Lark’s specialist made to measure musical instrument policy acknowledges that there is a special bond between musician and their instrument. The musical instrument insurance offering is based on our experienced teams' understanding that an instrument is not simply a passion, but a livelihood.

We understand that musicians lead a hectic lifestyle that's why we know that you require specialist musician cover when travelling and performing, beyond what you would normally get if the instrument was only covered under a home contents insurance policy.

By crafting policies that respond and cater to the unique needs and circumstance of musicians, Lark has established itself as one of the leading musical instrument insurance brokers in the world. But don’t take just our word on it.

Your instrument is unique; shouldn't the insurance that protects it also be?


  • A dedicated Account Handler – so one number to call.

  • Renewal terms provided 3 weeks before your renewal date.

  • In-house Claims Team to make the claims process as efficient as possible.

  • Transactions in a choice of currencies (Sterling, Euro, US Dollar).

  • 'No Claims Discounts' available (up to 20%).

  • Choice of repairer.

Any questions?

If you have any questions please check our comprehensive FAQ.
Complete our online proposal form

If you live in Australia, please contact EBM for all your musical instrument insurance needs.


Our policies are issued on a 12 month contract.

Yes, cover is worldwide including cover whilst at your premises.

The standard policy is all risks cover (fire, flood, loss, theft, accidental damage and depreciation to value following damage).

Yes, we can offer this cover for an additional premium and subject to the policy terms and conditions.

Yes, your instrument is covered whilst travelling by plane as long as this is securely packed and in a hard flight case.

Yes, these can also be added to your policy.

Yes, we provide no claims discounts as follows:

  • 10% after year one,
  • 15% after year two,
  • 20%  after year three and subsequent years.

Our standard policy only has  an excess for electrical instruments.

Yes, you can.

Yes. However, theft by persons whom the instrument is entrusted to is excluded.

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