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Insurance for musicians and their instruments

Music insurance from Musicguard covers:

  • Accidental damage, theft and loss
    Cover for your instruments and equipment should they be stolen, accidentally damaged or lost
  • Instrument and equipment breakdown
    Like an extended warranty, we cover instruments and electronic items against failure due to a mechanical, constructional, electronic or electrical fault*
  • Public Liability Insurance (PLI)
    £1 million is included as standard, with the option to upgrade to £2 million or £5 million
  • New-for-old
    Replacement of instruments and equipment on a new-for-old basis**
  • Flexibility of cover
    You can choose cover for your home/studio, UK, Europe and worldwide, and you can also cover instruments and equipment against theft whilst in a vehicle
  • Hire of instruments and equipment
    To keep you playing, we can arrange hire of instruments and equipment until yours are repaired or replaced***

* Electronic items up to seven years old and all instruments. Breakdown claims are subject to a £50 excess for each and every item.
** Laptops subject to depreciation. Rare and vintage items covered by valuation. Maximum claim up to the value you insure the item for.
*** Subject to an approved claim.

We've been providing specialist music insurance since 1997

instrument insuranceOur Musicguard insurance offers a range of covers suitable for home, studio or gigging musicians, sound and lighting engineers, music teachers and entertainers. We insure £60 million of instruments and equipment for thousands of musicians.

We also strive to give our customers top-quality and expert service. Our call centre is UK-based with friendly and knowledgeable staff, and our dedicated claims department has a 97% customer satisfaction rating.

We make it easy for you

equipment insuranceYou can get a quote in a few seconds, and a policy in a few minutes. Choose the cover levels and options that best suit your requirements, safe in the knowledge that you can change your mind if you find it's not suitable.

As a Musicguard customer, you can manage, change and renew your policy online at the time that suits you, or you can contact our call centre who will be happy to help.