What we insure
We insure all types of musical instruments, equipment and accessories.
Allianz Musical Insurance
As of 1 October 2024 Allianz Musical Insurance is closed to new customers following the acquisition by Lark Music, a trading name of Howden UK Brokers Limited.
Specialist cover for your Musical Instruments
Our Music Protect policy has been insuring the UK's musical instruments for over 60 years.
Our policy has been designed to provide insurance for all kinds of musical instruments and equipment against accidental damage, accidental loss and theft. As well as paying for the repair or replacement of your items, we include cover to help you keep performing such as cover for hire of an alternative intrument, pay for your item to be transported to and from your chosen repairer, and most items have no standard excess*.
We include access to a free legal helpline, so whether you are an amateur or professional musician, you can access legal assistance services to support your career and personal life.
From amateurs to experts
Can't find your instrument on our list?
Don't worry, we'll still cover you.
Choose the cover you need
Our flexible products mean you can choose the cover you need.
You can choose any one or more of the following products for your policy.
Our Policy Wording
Specialist cover backed by a dedicated musical claims team
We have been paying musical claims for over 60 years and worked with many of the UKs retailers and repairers. This means we know the importance of the relationships between these specialists and our customers so we allow you to choose your own repairer.
What you're covered for
Theft, loss, and accidental damage
Unlimited professional use
Damage in transit
Loan instrument hire costs
Free cover for £500 worth of accessories
Depriciation after a repair
Inability to recover from a repairer or consignment seller
Flexible cover to meet your needs
You can choose to insure each item or group of items on a different basis; from premises only to worldwide cover. You can even add cover for items left unattended in a vehicle.
We also don't charge fees to make changes to policy.