Musical Instrument Insurance

*29% of customers paid less than £3 per month Feb '23 - Dec '23

We’re the UK's No. 1 musical instrument insurer and have been providing insurance for musicians since 1960. Today, we insure over 70,000 musicians, from beginners to internationally renowned artists. As a team of music experts, we understand musicians' needs and lifestyles.

Allianz Musical Insurance offers you a flexible policy allowing you to choose the cover you need, whether you are an individual, a band, ensemble, DJ or recording studio.

Cover for your instruments and other equipment against accidental damage, theft, and accidental loss.

Cover at your premises only, in the UK or Worldwide.

Cover for replacement instrument hire costs, £500 of free accessory cover, and more as standard.

Cover starts from less than £3 per month.

Public Liability cover protects you against the cost of a claim if someone is injured or their property is damaged while you’re performing, teaching, rehearsing or recording.

Cover from £1m, to £10m is available, for individuals or groups.

Our prices are based on how often you are active, so cover starts at under £11 a year.

Our Personal Accident cover provides up to £30,000 for permanent disablement or a weekly benefit up to £375 per week for temporary disablement, following an accidental bodily injury*.

Cover for individuals or groups available.

Our prices are based on how often you are active, so cover starts at just £8.99 a year.

woman sat with violin
Whatever string instrument you play, at whatever level, we’ve got you covered. 
man in recording studio
Whatever equipment you use to create your music, our cover gives you peace of mind.
man playing brass instrument at home
We cover all brass instruments from horns to trombones, for all levels of musicians. 
man playing guitar in a venue
Affordable cover for guitars, amps and accessories for all levels of guitarists.
women playing the flute
Whether you’re playing at home, in a concert or on tour, your woodwind instrument is covered. 
man and woman playing piano
Tailorable piano/keyboard insurance so you’re protected.
dj over decks
Whatever equipment you use to create your music, our cover gives you peace of mind. 
man playing the drums
Whether you play at home or on stage, our cover keeps your kit protected.
There's no instrument too unique for us to insure. From the rare and obscure to your everyday classics, we’ll cover you for accidental damage, loss, theft and more. 

Professional musicians



DJ & Studio Producers


Brass bands

Concert bands


Music teachers

Peripatetic teachers

Online teachers





We're proud to have been providing musical instrument insurance for musicians of all types since 1960 – longer than any other insurer. 
Here's just a few reasons why over 93% of our customers renew each year
There's no excess on our instrument claims, so you can make a claim and get back to playing as soon as possible.
We accept over 98% of claims we receive.
We're flexible, choose the level of cover that suits you best and select optional add-ons if you need them.
You can make affordable monthly payments with 0% APR.


*a 2 week excess period applies to temporary disablement claims. Cover excludes accidents associated with sports activities, cycling, those linked to your use of a motor vehicle of any kind, service in the armed forces and more – please see our Policy Wording for full details of exclusions which apply.

1 month free only applicable when you buy a policy online. Offer does not apply to Public Liability or Personal Accident covers. For the first year you will only make 11 payments when you pay by monthly direct debit. Premium is subject to our minimum premium and this offer is not valid in conjunction with other offers.