Compare musical instrument insurance

These companies could protect your musical instrument from accidental damage or theft. Compare them to find an insurance policy that covers the full value of your instruments for less.

  • Apply in minutes
  • See charges and fees at a glance
  • Compare multiple providers to find the best deal for you

How to get a musical instrument quote

Musical instrument insurance deals

5 results found, sorted by affiliated products. How we order our comparisons. Commission earned affects the table's sort order.
Sort
Musicguard Musical Instrument Insurance
Cover options
Accidental damage, theft & loss for 30 days worldwide
Cover
£15,000 per instrument & £50,000 in total
Standard excess
Varies
Musicguard Musical Instrument Insurance
musicGuard's specialist music insurance has been providing cover for the UK's musicians for over 20 years. Rated as 'Excellent' by their customers on Trustpilot, they provide specialist protection to musicians of all levels and their instruments.
Eligibility
Available direct
Available online
Maximum instrument age3 years
Minimum age18 years
UK resident
Insure4Music Musical Instrument Insurance
Cover options
Accidental damage, breakdown, theft & loss for 180 days worldwide
Cover
£50,000 per instrument & £50,000 in total
Standard excess
Varies
Insure4Music Musical Instrument Insurance
Includes 10% introductory discount. Excess waiver available. 24 hr vehicle cover. New for old up to 3 yrs old. Public liability from £20 a yr. Build your own policy. Find cheaper like for like cover within 14 days & get the difference refunded. T&Cs.
Eligibility
Available direct
Available online
UK resident
Allianz Musical Instrument Insurance
Cover options
Accidental damage, theft & loss for 365 days worldwide
Cover
£15,000 per instrument & £25,000 in total
Standard excess
£0
Allianz Musical Instrument Insurance
Get your first month free online. Flexible cover from £33 a year. Allianz insure over 70,000 UK musicians. Optional add-ons: public liability and unattended vehicle. £100 excess applies to computer equipment. Ts&Cs apply.
Eligibility
Available direct
Available online
Maximum instrument age3 years
Minimum age18 years
UK resident
Endsleigh Musical Instrument Insurance
Cover options
Accidental damage, theft & loss for 90 days worldwide
Cover
£10,000 per instrument & £10,000 in total
Standard excess
£25
Endsleigh Musical Instrument Insurance
Endsleigh's great value musical instrument insurance covers over 50 musical instruments for theft, accidental damage, accessory replacement and instrument repair or replacement. T&Cs apply.
This is an insurance broker.
Eligibility
Available direct
Available online
Maximum instrument ageUnlimited
Minimum age18 years
UK resident

Do you need musical instrument insurance?

Musical instruments are expensive to replace, so it pays to have a good insurance policy to protect them.

Some home insurance policies can protect musical instruments, but many exclude them or only offer limited cover.

This comparison shows insurance companies that offer policies specifically for musical instruments. Compare as many quotes as possible to find the best policy for you.

What can you get cover for?

Musical instrument insurers can cover most types of instruments and equipment, including:

  • Traditional instruments, like acoustic and electric guitars, drums, strings and pianos.

  • Studio equipment, like turntables, mixing desks, laptops, CDs and vinyl.

  • Stage equipment, like PA systems, microphones, speakers, lighting and smoke machines.

  • Accessories, like cases, pedals, adaptors, drum sticks, bows and amplifiers.

What does it protect you against?

Most policies can cover:

  • Accidental damage, loss and theft: This covers your instruments if they are damaged, lost or stolen. Most policies offer this cover as standard; you can see which insurers offer it using this comparison.

  • Public liability: This covers you if you injure someone or damage third party property when performing or teaching. Check this is included if you are a gigging musician or music teacher.

  • Personal accident: This covers you if you have an accident while performing. Most policies pay out a set amount if you lose a limb, your sight, become disabled or die.

  • Worldwide cover: This covers you for a set number of days when travelling abroad. This comparison shows which insurers offer worldwide cover, and for how long.

Most insurers let you customise your policy to just include the cover you need. For example, if you only play the guitar as a hobby, you may not need public liability cover.

How much cover do you need?

You need enough cover to protect all your instruments and equipment. Most policies cover your instruments in two ways:

  • An individual cover limit per instrument, e.g. £10,000

  • A total cover limit for all your instruments, e.g. £30,000

Check the value of your instruments before you look for quotes so you know what cover you need. This comparison shows what cover each insurer offers per instrument, and in total.

Musical instrument insurance FAQs

About our home insurance comparison

Explore Home insurance guides

See more guides

man outside working on laptop

How to manage your home insurance policy

Once you have insured your home, you need to keep your cover up to date to make sure it stays valid. Here is how you can manage your home insurance policy.

Read More
2 Scottish houses by a road. One house has a white door and the other has a red door.

What home insurance do you need?

Whether you live in a flat or a mansion, getting the right home insurance policy is essential. Here is how to find the best cover for your property.

Read More
Empty road through a village, with small houses on either side of the road.

How to insure your second home

If you own a second home in the UK, you may need specific home insurance to protect it. Here is how to cover your second home.

Read More

Why compare home insurance with money.co.uk?

By comparing home insurance, you could save money on the policy. The best value Home insurance will offer the cover to your home and content. Choose a cover plan from the best UK home insurance companies and see the online discounts they offer.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

stevie award
WMA 2021 Logo-768x632
nba logo
logo dma
ecommerce awards

Last updated: 10 March, 2022